Podcast Episode Details

START HERE: How to Use a Margin Loan WISELY: 7 Rules to Reduce Risk & Build Wealth

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In this empowering episode of Start Here, Canna answers a question from Cat — an inspiring investor who’s built an $80,000 portfolio and $4,200 of annual passive income in just three years. Cat is now ready to explore margin lending but wants to understand the risks and how to manage them wisely.

Canna breaks down what a margin loan really is, why it can be risky, and seven proven strategies to reduce those risks — the same principles she uses in her own $1000 Project portfolio. You’ll learn how to set smart boundaries, protect your portfolio from volatility, and use leverage as a tool for long-term wealth creation rather than a ticking time bomb.

In this episode, you’ll learn:

• What a margin loan actually is — and why leverage magnifies both gains and losses.

• The safe way to manage your Loan-to-Value Ratio (LVR).

• How to stress-test your cashflow before borrowing.

• Why drawing down slowly and keeping an emergency buffer matters.

• How to use dividends and interest prepayment strategically.

• The power of diversification and long-term focus.

• When to seek professional advice and how to align margin lending with your financial goals.

Key Quote:

“A margin loan isn’t a shortcut — it’s an amplifier. It magnifies whatever discipline or impulsiveness you already have.”

Mentioned Resources:

• The $1000 Project by Canna Campbell

• Motivated Money by Peter Thornhill

• ASIC Moneysmart: Margin Lending Basics

• Your own superannuation or investment platform’s “risk profile” questionnaire

Disclaimer:
This podcast provides general advice only and does not take into account your personal financial situation, goals, or needs. Please seek independent financial advice before making investment decisions.

💬 Let’s Keep the Conversation Going

I’d love to hear your thoughts on this episode! Reach out to me anytime on Instagram @SugarMammaTV so we can keep this important conversation alive.

📚 My Books

If you’re ready to deepen your financial knowledge, check out my books:

• Best Seller:The $1000 Project
• **Mindful Money]( Published on 1 month, 2 weeks ago