Episode Details

Has the Bank of Mum and Dad closed its doors?

After appearing on the Today Show to discuss a new report showing fewer parents are helping their children into the property market, I knew this was a conversation we needed to have.

This isn’t based on a listener question. Instead, it’s inspired by the growing uncertainty many Australian families are feeling right now.

If you’ve ever wondered:

• Should I help my children buy a home?
• Am I selfish if I can’t afford to help?
• How do I protect my retirement while still supporting my family?
• What are the alternatives to gifting a six-figure deposit?

…then this episode is for you.

In this episode, I explain:

• Why many parents are pressing pause on helping adult children buy property.
• How the changing investment landscape is affecting family financial decisions.
• The growing wealth gap—and why compassion matters on both sides.
• Practical ways to support your children without risking your own financial future.
• Creative alternatives to gifting cash, including matching savings, helping reduce living costs and supporting smarter financial habits.
• What to consider before acting as a guarantor, lending money or gifting a deposit.
• Why protecting your own financial independence is one of the greatest gifts you can give your children.

Whether you’re a parent trying to make the right decision or an adult child wanting to better understand your parents’ perspective, this episode will help you navigate one of the most emotional financial conversations many Australian families are facing today.

Remember: Supporting your children isn’t always about giving them money. Sometimes it’s about giving them the confidence, skills and financial habits to build lasting wealth for themselves.

💛 If you found this episode helpful, please share it with a parent, grandparent or someone dreaming of buying their first home.

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1. The SugarMamma Budget & Cashflow Academy
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📚 My Books

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

• Best Seller:The $1000 Project
• **Mindful Money](https://amzn.to/3RV0poc)
• Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here

(These are Amazon affiliate links to my own books.)

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