Money First CEO

Most business owners think growth comes first.More clients. More revenue. More momentum.But that is not what creates a stable business.In this 50th episode of Money First CEO, Harman Johnston breaks down exactly what she would do if she had to start again from zero. No audience. No clients. No reputation. Just a clean slate.This is not theory.This is hindsight from real experience.If your business is growing but still feels harder than it should, this episode will reset how you think about money, structure, and decision making.What You Will Learn: • Why your money system should come before revenue • The five bank accounts every business needs from day one • Why paying yourself early changes everything • The three numbers every CEO must understand • How to avoid expensive mistakes by building the right financial team • Why discipline beats growth when building a sustainable business • The difference between being busy and building something that lastsKey Takeaway: Do not build growth first. Build control first.Because a business that makes money but does not keep it will always feel harder than it should.Timestamps: 00:00 Introduction 01:00 The question: starting from zero 02:00 Why money structure comes first 03:00 The five bank accounts 04:00 Setting percentages early 05:00 Paying yourself from day one 06:00 Building your financial team 07:00 The three numbers that matter 08:00 Weekly money routine 09:00 Being ruthless with expenses 10:00 Hiring and leverage 11:00 Networking with intention 12:00 Final framework🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

Hiring feels like growth.More people. More support. More capacity.But for most service-based business owners, hiring too early is not growth.It is a profit leak.In this episode of Money First CEO, Harman Johnston breaks down the real cost of hiring before your numbers are ready and why this common decision quietly drains cash, increases pressure, and stalls momentum.If your business is growing but your bank balance does not reflect it, this is the missing piece.You will learn:Why hiring is usually emotional, not strategicThe hidden costs beyond salary that most owners ignoreHow a $70K hire becomes a $100K mistakeWhy revenue growth can hide profit problems The real signs you are financially ready to hire What to do instead of hiring full-time too earlyTimestamps:00:00 Welcome 01:00 Why hiring feels like growth 02:00 Emotional hiring vs strategic hiring 04:00 The real cost of a hire 07:00 The $100K mistake explained 10:00 When you are actually ready 13:00 Smarter ways to get support 16:00 Your next stepKey Takeaway: Hiring should increase profit, not protect chaos.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

Most business owners think being across everything is a strength.It is not.It is the reason they feel stuck.In this episode of Money First CEO, Harman Johnston breaks down the owner trap. The hidden pattern where your business depends on you for everything.If you cannot step away without things slowing down, breaking, or stopping, this is for you.You will learn why control is not the goal, why perfection is costing you growth, and how systems create real freedom.This is not about doing less.It is about building a business that works without you.What You Will Learn:·       What the owner trap actually looks like·       Why being “the one who does everything” is a risk·       The 85% rule and how it unlocks growth·       How SOPs remove decision pressure·       Why delegation fails without systems·       The difference between managing and empowering a team·       The real cost of doing everything yourselfKey Takeaway:If your business cannot run without you, you do not own a business.You own a job.Build systems. Step back. Lead.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

Most business owners think tax is the problem.It is not.The real problem is how you manage your money before tax shows up.In this episode of Money First CEO, Harman Johnston breaks down why tax feels like an emergency for so many growing businesses. If you have ever opened a BAS or tax bill and felt instant stress, this episode will hit home.You will learn why strong revenue does not protect you from cash flow pressure, how your bank account is misleading you, and why the lack of a simple system is the real issue.This is not about complex tax strategies. It is about fixing the foundation so tax stops feeling like a crisis.What You Will Learn:Why tax is not the real problem in your business How your bank balance creates false confidence The hidden gap between revenue and what you actually keep Why most business owners overspend without realising How a simple system removes tax stress for good Key Takeaway: Tax is predictable. Stress is optional. If you build the right system, tax stops being a surprise and becomes just another planned expense.Timestamps:00:00 Welcome to Money First CEO 01:00 Why tax feels stressful 02:00 The real problem is not tax 03:00 Where business owners go wrong 04:00 The psychology of spending 05:00 Why systems fix everything 06:00 Your next step Listen now and take control of your cash flow. 🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

Harman Johnston breaks down the three biggest financial illusions that keep business owners stuck in stress and confusion. Revenue is not clarity. Your bank balance is not profit. And growth is not stability.She explains why these misconceptions create anxiety, poor decisions, and cash flow pressure even in high revenue businesses. Through simple examples, she shows how two businesses with the same revenue can have completely different stress levels depending on structure and visibility.The core message is clear. Avoiding your numbers creates stress, not the numbers themselves. When you build simple systems like Profit First, you remove guesswork and start making decisions like a CEO.This episode will shift how you see your numbers and give you a practical path to regain control.Key Takeaways: Revenue alone tells you nothing about business health  Bank balance includes money that is not yours to spend  Growth without structure increases pressure, not stability  Avoidance creates anxiety. Clarity removes it  Systems beat motivation every time Timestamps: 00:00 Welcome to Money First CEO 01:00 The real problem is avoidance 01:45 Illusion 1: Revenue is not clarity 02:40 Illusion 2: Bank balance is not profit 03:40 Illusion 3: Growth is not stability 04:50 Why systems reduce stress 05:40 Simple next step to regain control 06:10 Wrap up🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

Harman Johnston outlines a 15 minute money health check built around five questions to help business owners regain financial control: know your current profit percentage, know how many months of operating expenses you have saved, pay yourself a consistent owner’s wage, separate tax money so it is not spent from the operating account, and track what has changed in expenses over the last 90 days. She explains that revenue without profit and visibility creates stress, that a cash runway reduces urgency, and that expense drift quietly shrinks margins. Her key takeaway is to block 15 minutes this week to answer the five questions with real numbers, and consider Profit First for clearer allocation and structure.00:00 Podcast Welcome00:57 15 Minute Money Check01:42 Question 1 Profit Percent02:32 Question 2 Cash Runway03:16 Question 3 CEO Pay04:00 Question 4 Tax Separation04:31 Question 5 Expense Drift05:12 System Over Motivation05:42 15 Minute Action Plan06:04 Wrap Up And Next🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

Harman Johnston explains why business owners can hit a record revenue month and still feel broke, focusing on four causes: measuring success by revenue instead of what you keep, spending with false confidence after a high month, failing to retain cash due to a lack of structure, and letting expenses expand as revenue grows. She shows how money disappears when everything sits in one account and gets used, even after a $120,000 month. The key shift is moving from “how do I make more” to “how do I keep more” by using Profit First to split income immediately into profit, owner’s pay, tax, and operating expenses. She encourages listeners to check how much of their best month is still in the business and book a discovery call for help implementing structure.00:00 Show Introduction00:55 Why Big Months Feel Broke01:32 Mistake One Revenue Focus01:59 False Confidence Spending02:30 No Cash Retention02:53 Expenses Rise With Growth03:22 Real Life 120K Example03:48 Keep More With Profit First04:39 Quick Audit And Next Steps05:02 Wrap Up And Call🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

Harman Johnston flips the Buy Now Pay Later debate to focus on business spending, warning that it creates an illusion of affordability while undermining cash discipline. She explains how BNPL commits future revenue before it arrives, hides true expense levels by dulling the upfront pain, creates fixed obligations during fluctuating months, and disrupts Profit First allocations by fragmenting costs and blurring visibility. She notes business owners often justify BNPL as investment driven by urgency and scarcity, but argues sustainable growth comes from surplus, not strain. Harman urges CEOs to raise their decision thresholds, use payment plans only strategically with clear ROI, and audit all BNPL commitments by testing whether a 20 percent revenue drop would feel calm or stressful.00:00 Show Introduction01:00 BNPL From Expense Side01:56 Layer 1 Future Cash Spent02:37 Layer 2 True Costs Hidden03:13 Layer 3 Fixed Obligations03:48 Layer 4 Profit First Disrupted04:23 Why Owners Use BNPL04:52 The Numbers Reality Check05:28 Discipline Over Convenience06:05 CEO Self Audit Questions06:27 Strategic Payment Plans07:11 Takeaway Audit And Close🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

Harman Johnston urges business owners to face the “$10K decision” they keep avoiding, arguing it is already costing them money each month through delay. She outlines four common versions: hiring operational support to remove the CEO bottleneck, saying no to low margin draining clients, raising minimum standards through repositioning and pricing, and installing real financial structure using Profit First principles instead of reactive banking and spreadsheets. Harman explains these decisions are hard because they require an identity shift from scrappy operator to CEO ownership. The key takeaway is to name the avoided decision, write it down, and calculate the monthly cost of delaying it, then commit to a clean decision to break the financial ceiling.00:00 Show Intro01:00 The 10K Decision01:52 Hire the Operator02:41 Drop Wrong Clients03:29 Raise Your Standard04:13 Build Money Systems05:04 Why We Avoid It06:05 Name Your Leap06:33 Make It Now07:08 Action Steps and Close🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

Harman Johnston explains what working with a professional bookkeeper should actually feel like for Australian business owners, challenging the belief that bookkeeping is just data entry, reconciliations, and BAS compliance. She describes how clients often arrive overwhelmed, avoidant, or growing fast but financially messy, and how the right support creates visibility, clean and reliable numbers, and reduced stress. Harman highlights the emotional relief and accountability that come from a monthly rhythm, plus clear reporting and strategic conversations that improve decision making about hiring, marketing spend, and owner pay. She argues that DIY bookkeeping has hidden costs in time, missed mistakes, and delayed opportunities, and that accurate bookkeeping protects profit and enables forecasting, profit planning, and cash flow planning. She closes with a self check question about avoiding numbers and an invitation to book a discovery call.00:00 Show Intro01:00 Episode Topic Setup01:42 Why Owners Seek Help02:24 Shift One Visibility03:05 Shift Two Emotional Calm03:46 What Bookkeeping Is Not04:16 What Great Support Looks Like04:43 The True Cost of DIY05:27 Accountability And Rhythm05:46 Better Decisions And Freedom06:30 From History To Forecasting06:51 Core Takeaway And Next Steps🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode, Harman Johnston explains how established business owners can increase consistent owner’s pay without increasing revenue by changing from an operator mindset to a CEO mindset and using Profit First style allocations. She challenges the formula of revenue minus expenses equals profit and shows how expenses often rise with revenue unless pay is protected. Using a $120,000 per month example, she outlines allocating percentages to profit, tax, owner’s pay, and operating expenses to reveal pricing, expense, or margin issues. She highlights three common leaks reducing take home pay: expense creep, emotional spending, and lack of weekly financial visibility. Harman shares her own shift to making owner’s pay non negotiable, tightening expenses, improving pricing, and leading with clearer numbers. The episode closes with a practical audit of the last three months of owner’s pay and an invitation to book a discovery call to build a structure that supports paying yourself first. 00:00 Welcome to Money First CEO (Show Intro & What to Expect)01:00 Today’s Topic: Pay Yourself More Without More Revenue01:39 Why ‘More Revenue’ Doesn’t Fix Owner Pay (The Real Problem)02:26 Operator vs CEO: The Mindset Shift to Paying Yourself First03:12 Let’s Get Practical: A Simple Allocation Example ($120k/month)04:03 When the Numbers Don’t Fit: Pricing, Expenses & Margin Reality Check04:45 The 3 Silent Leaks Shrinking Your Take-Home Pay05:31 My Story: The Day I Made Owner Pay Non‑Negotiable06:29 What You Actually Want: Clarity, Separate Accounts & Peace of Mind07:19 Takeaway + Action Steps (Review 3 Months of Pay)07:41 Call to Action + Closing: Build a Structure That Pays You Now 🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of 'Money First, CEO,' host Harman Johnston discusses the significant shift in a CEO's role as their business grows, specifically why continuing to handle your own bookkeeping can hinder growth. Harman outlines the mental and practical strains of DIY bookkeeping and explains why delegating this task is crucial for making high-level decisions. She provides a clear, actionable takeaway: scheduling a monthly money review meeting to ensure clean, current, and accurate financial insights. This episode emphasizes the importance of stepping back from day-to-day transactions to focus on strategic decision-making, empowering CEOs to lead their businesses more effectively. 00:00 Introduction to Money First, CEO01:00 The Importance of Delegating Bookkeeping01:50 The Pitfalls of DIY Bookkeeping03:13 Shifting from Bookkeeper to CEO05:39 Implementing a Monthly Money Review07:21 Conclusion and Next Steps🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First, CEO, Harman Johnston delves into the common issue business owners face when their profit and loss statements don't align with their bank account balances. Harman explains the crucial distinctions between profit and cash flow, and outlines five key reasons for these discrepancies, including timing differences, large purchases, loan repayments, taxes, and how owners pay themselves. She provides actionable steps like reviewing accounts receivable, planning for big expenses, creating a tax account, and using cashflow trackers to help business owners better manage their finances. The episode emphasises the importance of putting money first to gain clarity, confidence, and financial control. 00:00 Introduction to Money First, CEO01:00 Understanding Profit vs. Cash02:17 Reasons for Profit and Cash Discrepancies04:30 Managing Cash Effectively05:16 Final Thoughts and Action Steps 🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First, CEO, host Harman Johnston shares practical advice on financially preparing for hiring staff. Harman emphasises the importance of proactive planning and introduces a strategic approach to ensure new hires do not become a financial burden. Key tips include opening a dedicated bank account for future hires, building a 90-day payroll buffer, treating hiring as a fixed expense, and other actionable steps to integrate hiring into your cash flow projections smoothly. This episode is packed with insights to help business owners hire with confidence and avoid financial stress. 00:00 Introduction to Money First, CEO01:00 Financial Preparation for Hiring02:09 Creating a Financial Plan for New Hires03:18 Building a 90-Day Financial Runway05:02 Additional Financial Strategies for Hiring05:53 Weekly Takeaway and Final Thoughts 🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First, CEO, Harman Johnston discusses the importance of conducting annual price reviews. Harman guides service-based businesses, retail operators, and manufacturers on strategies to ensure their pricing reflects increased work, costs, and market conditions over the past year. The episode highlights the impact of scope creep, client growth, rising expenses, and new tools on pricing for service-based businesses. Retailers are advised to factor in supplier price hikes, increased operational costs, and product movement into their pricing strategies. Manufacturers are encouraged to reassess unit costs and material inflation. Harman also addresses potential client pushbacks and offers a practical tool for implementing price reviews effectively. Listeners are prompted to review their pricing structures to remain profitable and are invited to visit https://blubookkeepers.com.au/services/profit-first/ for additional resources.Want the spreadsheet?Email: [email protected] us at Instagram: @blubookkeepers 00:00 Introduction to Money First, CEO Podcast01:04 Annual Price Review: A Key Strategy01:41 Service-Based Business Pricing03:30 Retail Business Pricing04:30 Manufacturing Business Pricing05:17 Handling Client Pushback05:59 Weekly Action Step: Implementing Price Reviews06:41 Conclusion and Final Thoughts 🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First, CEO, Harman Johnston discusses a major expense she cut from her business: online courses that were never finished. Harman shares her struggle with 'course addiction' and the financial and mental toll it took. By implementing a strict rule to only buy courses that could be immediately acted upon and setting dedicated time for both learning and execution, she transformed her business. Listeners are encouraged to audit their education spending, commit to completing one course at a time, and focus on actionable steps for real business results.00:00 Introduction to Money First, CEO Podcast01:00 Cutting the Biggest Expense: Unfinished Online Courses02:34 The Real Cost of Course Addiction03:40 Implementing a New Rule for Course Purchases04:16 Creating Time for Learning and Implementation05:22 Focusing on Execution Over Information05:28 Challenge for the Week: Audit Your Education Spending05:54 Conclusion and Final Thoughts🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First, CEO, host Harman Johnston reflects on the lessons learned and milestones achieved in 2025, while outlining exciting plans for 2026. Harman shares the mission behind the podcast, emphasising the importance of prioritising financial control to build a business that serves its owner first. Key takeaways include actionable money lessons like building profit with small shifts, separating personal and business finances, and forecasting. The episode also highlights the benefits of slowing down for aligned, profitable growth and investing in a team to sustain business success. Listeners are encouraged to reflect on their biggest money win of the past year and set non-negotiable financial goals for the coming year. Expect more in-depth topics, guest insights, tools, and community engagement in 2026. 00:00 Introduction to Money First, CEO01:00 Reflecting on the Past Year01:55 The Money First Mission03:42 Top Five Money Lessons07:19 Personal Insights from 202509:08 Looking Ahead to 202610:32 CEO Reflection Ritual11:05 Closing Thoughts and Community🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First, CEO, host Harman Johnston discusses the critical importance of rest for business owners. Harman explains how intentional rest can be a powerful revenue strategy, leading to clear decisions, better boundaries, and higher profits. The episode includes practical steps for taking a real CEO break, such as creating a money wind-down checklist, setting boundaries, and planning a 'no money zone' period. Harman shares lessons from past episodes and emphasises that rest isn't a reward, but a necessary component for sustainable business growth. 00:00 Introduction to Money First, CEO01:00 The Importance of Rest for CEOs03:26 Key Lessons for a Money First CEO05:02 Practical Steps for a CEO Break07:12 The Rest Challenge🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

Welcome back to Money First, CEO, with your host Harman Johnston, who shares her journey from a one-person operation to a thriving business through smart money habits and systems. This episode focuses on the importance of delegation, highlighting the pitfalls of trying to do everything yourself and offering practical steps to effectively delegate tasks. Harman discusses how using platforms like Upwork and Fiverr, setting clear expectations, and starting small can free up valuable time for revenue-generating activities. By sharing personal anecdotes and actionable insights, Harman illustrates how proper delegation can boost profits, reduce stress, and provide a better quality of life for business owners. 00:00 Introduction to Money First, CEO01:00 The Importance of Delegation01:38 The Problem with Doing It All03:27 The Power of Delegation05:22 Effective Delegation Strategies07:48 Overcoming Delegation Fears09:16 Conclusion and Takeaway 🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

Welcome to Money First, CEO, with Harman Johnston, an expert bookkeeper, profit-first professional, and business coach from Sydney, Australia. This episode focuses on envisioning a fearless business quarter, free from self-doubt and overwhelm. Harman emphasises the power of financial clarity and strategic bold moves based on real data. Listeners are guided through actionable steps such as reviewing bank account transactions and making informed decisions to raise prices, cut unprofitable offers, and hire necessary help. The episode challenges business owners to overcome uncertainty, take proactive actions, and lead their businesses with confidence. 00:00 Introduction to Money First, CEO00:56 Overcoming Fear and Taking Bold Actions01:55 Strategies for a Fearless Quarter03:15 The Importance of Knowing Your Numbers04:03 Actionable Steps for Financial Clarity05:26 Challenge for the Week05:52 Conclusion and Next Steps🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

Unlocking the Five Types of Wealth: A Holistic Approach to Business SuccessIn this episode of Money First, CEO, host Harman Johnston introduces listeners to the five types of wealth, inspired by Sahil Bloom's framework, which she encountered at Angela Henderson's Women in Business Conference. Harman underscores the significance of balancing time, social, mental, physical, and financial wealth to create a thriving business and fulfilling life. She explains how money is instrumental in building each type of wealth and offers practical tips to improve them. The episode concludes with a call to action for listeners to reflect on their current wealth balance and recognize areas that need attention. Tune in for insights that will help you achieve holistic wealth and unlock the freedom you deserve. Take the wealth score quiz at https://www.wealthscorequiz.com/. For more resources, visit https://blubookkeepers.com.au/services/profit-first/.00:00 Introduction to Money First, CEO00:59 The Five Types of Wealth02:07 Time Wealth: Owning Your Time02:47 Social Wealth: Building Strong Relationships03:27 Mental Health: Clarity and Calm04:07 Physical Health: Energy and Wellbeing04:36 Financial Wealth: Stability and Security05:16 Reflecting on Your Wealth Balance06:01 Conclusion and Next Steps🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

This is a special episode as we welcome our first guest, Mike Michalowicz. Mike is the author of Profit First and a global expert on small business finance. His mission is to end entrepreneurial poverty, and he's helped thousands of business owners take control of their money.We talk about the real mistakes that keep business owners stuck, the myth of growing your way to success, and why taking profit first is a game changer. If you're feeling the pressure of cash flow or struggling to pay yourself, this episode will help you shift your mindset and take action.In this episode, we cover:The number one money mistake business owners makeWhy growing a business is not the same as scalingHow to start Profit First even if cash is tightThe power of outside accountabilityWhy women often sacrifice too much in business, and how to change thatSimple action you can take today: Open a separate profit account and transfer 1 percent of your income. Small steps build strong habits.Resources mentioned:Grab a copy of Profit First by Mike MichalowiczListen to Episode 5 of Money First CEO where I walk you through how to get started with Profit FirstWant support to put Profit First into practice? We help business owners take control of their cash and grow profit with clarity and confidence. Learn more at blubookkeepers.com.au/services/profit-first🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First, CEO, Harman Johnston discusses the critical importance of setting boundaries in business. Harman shares a personal story about the costly mistake of saying yes to a rush job, highlighting how it drained her resources and affected her profits. She explains why saying no to low-value clients and requests is essential for maintaining profitability and mental well-being. Harman offers a three-step plan for saying no effectively: knowing your priorities, using polite scripts, and offering alternatives. She encourages listeners to start by declining one low-value request this week and tracking the benefits. The key takeaway is that setting boundaries allows business owners to focus on high-margin clients and tasks, leading to greater profits and a more sustainable business. 00:00 Introduction to Money First, CEO01:00 The Power of Saying No01:22 Real-Life Example: The Cost of Saying Yes02:00 The Importance of Boundaries03:45 Steps to Set Boundaries05:32 Action Steps and Conclusion🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode, Harman discusses the challenges of dealing with late payments and how it affects cash flow and overall business health. She outlines practical steps to improve debtor follow-ups, including sending friendly reminders, automating notifications, and making payment processes easier for clients. Harman shares a three-step plan to ensure timely payments without alienating clients and offers tips for handling tough debtors. The episode emphasises the importance of disciplined financial practices and provides actionable advice to boost cash flow and profit margins. 00:00 Introduction to Money First, CEO01:00 Chasing Cash, Not Clients01:19 The Pain of Late Payments02:11 Using Debt Collection as a Profit First Tool03:28 Creative Follow-Up Strategies05:17 Handling Tough Debtors06:10 Weekly Takeaway and Conclusion🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First, CEO, Harman Johnston discusses how to keep customers forever with cash-boosting loyalty strategies. She shares her personal experience of losing a $10,000 client and explains the significant costs associated with acquiring new customers compared to retaining existing ones. Johnston outlines a three-step plan to enhance customer loyalty: personalising interactions, creating loyalty programs, and following up with value-added content. She emphasises the importance of loyal customers in stabilising cash flow and boosting profits. Additionally, she provides actionable insights, such as sending personalised thank you notes, which can lead to significant financial gains and stronger client relationships. The episode concludes with a weekly takeaway, encouraging listeners to send a personalised gesture to a loyal customer and observe the impact. 00:00 Introduction to Money First, CEO01:00 Keeping Customers Forever: Cash Boosting Loyalty Secrets01:22 The Cost of Losing Customers02:30 Loyalty as a Cash Flow Strategy03:44 Three-Step Plan to Build Customer Loyalty05:26 Overcoming Challenges in Customer Retention06:06 Weekly Takeaway: Strengthening Customer Connections06:44 Conclusion: Start Building Loyalty Today🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

Mastering the 80/20 Profit Hack: Work Less, Earn More In this episode of 'Money First, CEO,' host Harman Johnston is focused on helping business owners leverage the 80/20 rule (Pareto Principle) to maximise their profits while reducing work hours. Harman shares her own experience of how focusing on top revenue-generating clients significantly increased her profits. She explains the importance of analysing sales data to identify high-value clients or products and offers actionable steps to prioritise them while phasing out or delegating less impactful tasks. Harman underscores that this approach not only boosts cash flow and profitability but also reduces stress and improves business sustainability. Listeners are encouraged to apply these principles gradually and track their progress, positioning themselves for financial freedom and sustained success.  00:00 Introduction to Money First, CEO 01:00 Welcome Back and Today's Topic: The 80/20 Profit Hack 01:20 Understanding the 80/20 Rule 02:00 Applying the 80/20 Rule in Business 03:38 Steps to Implement the 80/20 Rule 05:04 Overcoming Resistance and Final Thoughts 05:52 Action Steps and Conclusion 🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

Hiring can make or break your business finances. In this episode of Money First CEO, I share how to build a cash-savvy team that helps you grow profits without draining your bank account. I talk about how rushing into hiring can hurt your cash flow, why hiring strategically is a Profit First move, and how to make sure every hire adds value, not stress.  I walk through my own story of hiring too fast and how it hit my cash flow hard. Then, I share how I turned things around by applying Profit First principles to the hiring process. We’ll talk about how to decide when to hire, what to delegate first, and how to measure if your team is truly paying off.  You’ll also hear my three-step system for hiring smart: identifying tasks that don’t need you, starting small with part-time or freelance help, and tracking results from day one. Plus, I explain how I use Profit First accounts to fund team growth without touching profit or owner’s pay. The takeaway? Hire slow, test before you commit, and make sure every dollar spent gives you time, energy, or income back. A team built this way will grow your business, not drain it.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First, CEO, Harman Johnston gets real about one of the biggest mindset shifts in business: charging what you’re truly worth. If you’ve ever hesitated to raise your rates or felt weird asking for more money, this episode is exactly what you need.Harman shares the story of how undercharging in her early days nearly burned her out, and how switching to value-based pricing changed everything. From breaking down what undercharging really costs you, to simple steps for raising your rates, this is a must-listen if you’re ready to grow without guilt.You’ll hear: - The real impact of low prices (it’s more than money) - Why pricing based on time is keeping you stuck - A simple formula to help you charge with clarity - What to say when someone says “you’re too expensive”Money First Move This Week: Pick one offer. Raise the price by 10–15%. Test it. Track how it feels. Watch your confidence grow.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First, CEO, Harman Johnston explores the powerful framework from Adam Grant’s Give and Take that categorises people into Givers, Takers, and Matchers. Learn how each type shows up in business, why givers tend to both fail and succeed the most, and what separates a sustainable giver from a burnt-out one.You’ll discover: - How to recognise your giving style and its impact on your energy, profits, and boundaries - The warning signs of overgiving and how to shift to strategic generosity - How to use the Profit First system to give with structure and clarityWhether you’re a coach, creative, or service provider, this episode will help you protect your energy while continuing to lead with value.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

One of the biggest mistakes I see business owners make is treating their business like a personal ATM. Logging into your business account, seeing money sitting there, and using it for groceries or personal bills might feel harmless - but this habit will keep you broke, stressed, and stuck.In this episode of Money First, CEO, I share how I used to treat my business like a piggy bank, the financial chaos it created, and the exact system I now use to separate business and personal money with absolute clarity. I explain why mixing your business and personal finances leads to messy bookkeeping, unnecessary accountant questions, and painful director’s loan accounts that create unexpected tax bills.The turning point came when I implemented Profit First and set up separate bank accounts for income, profit, owner’s pay, tax, and operating expenses. I’ll show you how this structure allows you to pay yourself consistently like a CEO, stay on top of taxes, and actually see real profit in your business.If you’ve ever felt like you’re working hard but never getting ahead financially, this episode will give you the clarity and confidence to stop treating your business as your bank account and start using it as a true wealth-building tool.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

Making smart investments in your business can feel tricky. We’ve all been tempted by late-night offers, shiny software, or coaching packages that promise the world. But the truth is, there’s a big difference between investing from strength and investing from stress. In this episode of Money First, CEO, I share how to make confident investment decisions without draining your business or relying on impulse.I walk you through the difference between smart spending and emotional buying, and why the most successful CEOs create a buffer for their future investments before they ever need them. You’ll learn how to set up a “Next Best Thing” account to prepare for growth opportunities, the importance of planning for non-financial costs like time and training, and how to map out your expected return on investment before you say yes.We also talk about the red and green light test for spending decisions, a simple way to pause before making an emotional purchase and give yourself clarity around whether the timing and purpose are right. By the end of this episode, you’ll have practical steps to make smarter decisions that support long-term stability and growth, not short-term panic.The key takeaway? Don’t invest from stress. Invest from structure and strength.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

Credit cards can be a controversial topic in the Profit First world. The standard advice is to avoid them completely, stick to cash, and keep things simple. And for many business owners, that’s the safest path. But what if I told you there’s a way to use credit cards strategically inside a Profit First system without falling into debt, losing track, or jeopardising your cash flow?In this episode of Money First, CEO, I share exactly how I use my American Express card for business expenses only—without ever paying a cent in interest and while earning meaningful rewards that benefit my family. I walk through the difference between using a credit card as a funding source (a recipe for stress) and using it as a payment method for planned operating expenses.I explain why discipline, structure, and cash allocation matter more than the card itself, and how I make sure my card usage stays aligned with Profit First principles. I also share my weekly routine for paying off the balance, how I separate personal and business spending, and the rewards strategy that’s allowed me to fund travel and upgrades without dipping into personal savings.The key takeaway? Credit isn’t the problem - confusion and lack of structure are. If you know your numbers, stick to your allocations, and treat your card like a tool, you can enjoy the benefits without the debt stress.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

Running a service-based business can often feel like money is slipping through your fingers, no matter how much revenue you generate. In this episode of Money First, CEO, I unpack why traditional financial advice doesn’t always fit coaches, consultants, creative agencies, and other service providers - and how you can finally take control of your cash flow.I share the most common cash flow traps I see in service businesses, from slow-paying clients to emotional pricing, and why having just one bank account for everything is a recipe for stress. These challenges often lead to feast-and-famine cycles, inconsistent income, and the constant thought of “why doesn’t this add up?”The good news is, it’s not you - it’s the system. By using the Profit First method with one critical twist, you can create financial clarity and build a business that truly supports you. I explain how to separate out contractor and associate costs before you allocate your profit, tax, and owner’s pay, so you’re working with your real revenue - not inflated numbers that leave you short at the end of the month.You’ll hear a simple, practical step you can take this week to stop wondering where the money has gone and start running your business like a confident CEO. If you’ve ever felt like you’re working around the clock but still not paying yourself consistently, this episode will show you exactly what to do next.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First, CEO, I’m diving into a topic that could save your business from unnecessary stress — identifying and fixing financial red flags before they spiral out of control. Your business rarely goes broke overnight; instead, it’s a slow erosion that starts with subtle warning signs. The problem? Most business owners either don’t see them or avoid addressing them until it’s too late.I unpack the early indicators that your finances might be heading in the wrong direction, from unpredictable cash flow to mounting expenses, overdue invoices, and dipping into personal savings to fund your business. You’ll learn why avoiding your numbers only increases risk and how a simple 30-minute review each week can transform your financial confidence.We’ll talk about how to tighten expenses without sacrificing growth, the importance of chasing up money owed, why raising your prices and protecting your owner’s pay is non-negotiable, and the value of building a safety buffer for unexpected expenses. I also share how tools like Profit First can help you structure your cash flow for stability and why taking action now will always be cheaper than delaying.Whether you’re feeling the pinch or simply want to strengthen your financial foundations, this episode gives you a clear plan to spot the whispers before they turn into screams — and lead your business like a true CEO.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First, CEO, I’m tackling the most common doubts and misconceptions about Profit First — the cashflow system that has transformed thousands of businesses. Over the past three years of working with Profit First, I’ve heard it all: “It’s too complicated.” “I’ll run out of money.” “My business is too small.” “Bank fees will eat into my profit.” “My income fluctuates too much.”Here’s the truth: these fears aren’t about Profit First being hard — they’re about change. And change can feel uncomfortable. But delaying implementation keeps you stuck in a cycle of no safety net, no clear plan, and no consistent profit.I break down the five biggest objections I hear from business owners and share the simple, practical ways to overcome them. You’ll learn how to start small with just one or two accounts, why buffers are your secret weapon for smooth cashflow, and how Profit First actually helps you thrive during slow months. I also share real client examples that prove you can start with as little as 1% profit and grow it to 10% faster than you think.If you’ve ever wondered whether Profit First could work for your business — no matter the size, industry, or income fluctuations — this episode will give you the clarity and confidence to get started and keep going.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First, CEO, I’m diving into one of the most powerful (and overlooked) financial decisions a business owner can make – paying yourself first. This episode is a must-listen if you’ve ever hesitated to transfer money into your own account because of guilt, uncertainty, or the fear of putting your business under pressure.I open up about my personal journey and the shift I made when I started treating myself like a real employee in my own business. Too often, founders are the last to get paid, and we tell ourselves that reinvesting back into the business is noble. But the truth is, that mindset can lead to burnout, resentment and poor decision-making driven by fear rather than strategy.You’ll hear how implementing the Profit First methodology helped me create consistency, confidence, and long-term sustainability. I break down how to work out a realistic CEO wage – even if it starts small – and walk you through setting up systems so your owner’s pay becomes a non-negotiable. I also unpack the mindset blocks that hold many of us back from getting paid and how to overcome them with structure, strategy and action.If you’ve ever said, “I’ll pay myself when…” this episode is your sign to stop waiting.What we cover in this episode:Why founders often delay paying themselves – and the hidden costsThe mindset shift from hustler to CEOHow to calculate a starting owner’s wage using Profit First principlesSetting up a consistent, guilt-free paydayCreating a sustainable, empowered business model that prioritises your well-being🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First, CEO, I challenge the popular belief that constant growth equals success. While rapid revenue increases and a growing client list might look great on paper, if you're overwhelmed, underpaid, or spinning your wheels – it’s time to rethink what sustainable success really looks like.I walk you through how to pause the hustle, build strong financial foundations, and stabilise your business operations. I share insights from my own experience and that of clients who’ve grown fast but lacked the systems to support it – and what we did to fix it.If you’re done with burnout and ready to grow profitably, peacefully and sustainably, this episode will help you shift your focus from chaos to clarity.Key Topics Covered:The real cost of chasing growth without strategyHow to spot if your business is “busy” but not healthyFour essential foundations: Pricing, Systems, Paycheck, and Cash FlowHow to measure business health beyond revenueMy story of growing fast, burning out, and rebuildingQuestions to ask before you scale or launch anything newThe CEO Challenge: Stabilise before you grow🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First, CEO, I dive into one of the most powerful and often overlooked forces behind your business success - your money mindset. It’s not about spreadsheets or budgets - it’s about the deep-seated beliefs you hold around money, shaped by your upbringing, culture, and past experiences.If you’ve ever felt stuck financially despite working hard and bringing in consistent revenue, it may not be your numbers - it could be your mindset.We’ll unpack the most common limiting money beliefs business owners carry, where they come from, and how they show up in everyday decisions. I also walk you through real examples from clients (and myself) and share simple mindset shifts that lead to more control, confidence and consistent cash flow.Key Topics Covered:Common childhood beliefs that shape your money mindsetThe difference between scarcity and abundance thinkingHow mindset shows up in hiring, investing, pricing, and profitActionable steps to shift limiting money beliefsWhy affirmations only work when paired with behaviourThe CEO money audit: how to rewire your thinking with intentionThis episode is for you if:You feel guilty about raising your prices or paying yourselfYou’re working hard but not seeing financial growthYou want to feel confident and in control with moneyYou’re ready to shift from fear to abundance in your businessYour Weekly CEO Takeaway: Spend 30 minutes doing a mindset audit. Identify one limiting belief - and take one small action to challenge it.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

What if you had a financial buffer that gave you the confidence to say no to the wrong clients, take a break when you need it, or invest in your next bold move - without stress? That’s the power of a Freedom Fund, and it’s not just for “one day.”In this episode of Money First, CEO, I’m breaking down what a Freedom Fund actually is, why it’s more than just an emergency stash, and how to start building yours - even if it’s only $50 to begin with.Whether you’re aiming for more peace of mind or the confidence to scale, this episode will help you create financial breathing space so your business can grow from intention, not desperation.Key Topics Covered:What a Freedom Fund is (and how it’s different to savings)Why buffers are essential for calm, confident decision-makingReal scenarios where a Freedom Fund gives you power and choiceHow much to save - realistic benchmarks to aim forWhere to keep it and how to automate contributionsHow this buffer reduces stress and increases opportunityOne Actionable Takeaway: Open a separate bank account and start building your Freedom Fund today — even if it’s just $50. Consistency creates confidence, and this is how you take back control of your business decisions.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

If reviewing your finances feels reactive and overwhelming, it’s time to take a step into CEO mode with a simple but powerful habit: financial forecasting.In this episode of Money First, CEO, I’m walking you through what forecasting really is (in plain English), why it’s different to simply looking at your profit and loss report, and how to map out the next 90 days in your business - so you’re leading with clarity instead of scrambling under pressure.Whether you’re planning a big launch, navigating a seasonal dip, or looking to scale your team, this episode will show you how to make confident, strategic decisions before the crunch hits.Key Topics Covered:What financial forecasting actually is (and isn’t)Why looking back at your P&L isn’t enoughHow to build a simple 90-day forecast using income, expenses, and key datesHow to plan proactively for slow months, launches, or hiringTools you can use (even a whiteboard counts)Turning forecasting into smarter CEO-level decisionsOne easy step to start forecasting this weekOne Actionable Takeaway: Set aside 30 minutes this week to map out your next 90-day financial forecast - income, expenses, and key CEO decisions. It doesn’t have to be perfect. It just has to be forward-focused.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode, I get real about the juggle every business-owning parent knows all too well - school holidays. Whether you’re struggling with guilt about missing family time or feeling anxious about what’s not getting done in your business, I share how to plan proactively and take back control. I walk you through the exact systems, habits, and mindset shifts I use to create freedom and keep my business humming, even while making memories with my kids.Because your business should support your life, not consume it.Key Topics Covered:Why school holidays don’t need to derail your businessHow to let go of guilt and reframe your mindset around “balance”Practical steps to design your calendar and cash flow around holidaysHow to communicate effectively with your team (and clients)Tips for batching, automating, and delegating ahead of timeReal-life examples from my own business and family lifeOne simple action to take this week to prep for the next school holidaysOne Actionable Takeaway: Open your calendar and block out your next school holidays. Choose your work days and your fun days - then build your business around that.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this empowering episode of Money First, CEO, I tackle one of the biggest growth blockers for business owners: trying to manage your finances completely on your own. From reconciling accounts and navigating tax season to wondering if you’re even profitable - it’s exhausting. And you don’t have to keep doing it alone.I’m breaking down exactly why smart CEOs hire financial support, what kind of financial roles exist (bookkeeper, accountant, advisor, and Profit First professional), and how to tell when it’s time to bring in help. Plus, I’ll share how the right support team can change not just your business, but your peace of mind.Key Topics Covered:The myth of the “DIY business owner” and why it holds you backThe difference between a bookkeeper, accountant, financial advisor, and Profit First strategistRed flags it’s time to stop going it aloneEmotional and strategic relief of financial supportWhat a great financial partner actually does beyond tax returnsHow to choose the right financial partner (not just the cheapest)Why your financial team needs to grow with your businessWeekly takeaway: You don’t have to do it all alone - here’s your next stepTakeaway This Week: You don’t have to wear all the hats. Investing in financial support - even part-time - will unlock clarity, control, and long-term growth. Let go of the DIY mindset and give yourself the support your business truly deserves.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First, CEO, I dive into one of the most powerful habits any business owner can create – the weekly money date. It's not about spreadsheets or perfection; it’s about consistency and clarity. I’ll guide you through how to set up your 30-minute ritual, what to include in it, and how it can transform your decision-making, reduce money stress, and help you build real financial confidence.Key Takeaways:Why ignoring your numbers until it’s urgent is sabotaging your success.How consistency beats perfection in your financial routine.A step-by-step guide to setting up a money date that works for your schedule and mindset.What to review each week: cash flow, bills, invoices, trends, and simple tweaks that create momentum.Tools to support your ritual including accounting software, Profit First accounts, and money journals.The compounding effect of weekly money habits that lead to long-term financial clarity.Mentioned Tools & Resources:Xero Accounting SoftwareProfit First systemGoogle Sheets DashboardsMoney Journal (simple notebook or digital doc)Your CEO Challenge: Book your 30-minute weekly money date. Review your income and expenses, check your P&L, take one small action. Repeat weekly.Don’t Forget: If this episode helped you take back control of your finances, subscribe, leave a review, and share with another business owner. More tools and resources await you on my socials.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First, CEO, I walk you through a simple yet powerful end-of-financial-year strategy: booking a 30-minute call with your accountant. Whether your EOFY is 30 June, 31 December, or any other date, this episode helps you finish strong, avoid common pitfalls, and set your business up for a more profitable and stress-free new financial year.I also share my personal checklist for EOFY prep, the most common mistakes I see small business owners make, and the questions you should be asking your accountant before 30 June. Don’t wait until July when it’s too late to take action - EOFY prep isn’t just about taxes, it’s about strategy.Key Topics Covered:Why EOFY prep is more than just paperworkMy pre-EOFY checklist (and what most people forget)Questions to ask your accountant that can save you thousandsMistakes that cost business owners money every yearWhy your accountant can’t help you properly without your inputThe mindset shift from “doing the books” to leading like a CEOYour Action Step This Week: Book a 30-minute call with your accountant. Use this time to review deductions, structure, super contributions, and plan for the new year—like a true money-first CEO.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First, CEO, I’m taking a step back to reintroduce myself and give you the real story behind how I got here—from multi-seven-figure retail operations to startups and bookkeeping for small business owners. I share the biggest mindset and money shifts that helped me go from stressed and overspending to strategic and intentional.But more importantly, I give you one simple, powerful move to make this week that could change everything: separate your personal and business finances.Whether you’re earning $500 or $50,000 a month, this episode will help you understand:Why mixing your accounts is costing you more than you thinkHow this one change sets the foundation for Profit FirstThe tax, emotional, and strategic consequences of messy financesA practical, low-effort step you can take today to start thinking like a CEOKey Topics Covered:Why I started this podcast and what’s changingMy personal money journey (from spender to intentional CFO)What makes real financial clarity possible in businessThe dangers of mingled financesA step-by-step starting point for separating business moneyWhy Profit First won’t work without this foundationAction Step This Week: Open a separate business bank account today. Start with one. This is the first move toward building a sustainable, stress-free money system.Quote to Remember: “Profit isn’t a goal—it’s a habit. And it starts with one account.”🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First, CEO, I dive deep into a topic that too many business owners avoid—your numbers. Ignoring your financial data isn't just a money problem—it's a mindset issue that leaks into every decision you make, from hiring to pricing to chasing shiny new solutions. I share real-world stories of clients who turned chaos into clarity, the hidden mental load of not knowing your figures, and a practical action step to take control. If you’ve ever found yourself avoiding your finances or making gut decisions instead of informed ones, this episode is your wake-up call.What You'll Learn in This Episode:Why avoiding your numbers drains mental energy and confidenceHow financial avoidance leads to poor decision-makingThe cost of panic-hiring and underchargingThe power of financial clarity and how it builds CEO confidenceA simple weekly practice to build data confidence and track progressClient stories that prove clarity leads to more profit—not more hustleHow to conduct a 30-minute mini-audit to start leading with numbersTake Action: Block 30 minutes this week to look at your money—review your P&L, compare last month to this month, and reflect: is profit going up, down, or flat? And why?Subscribe & Review: If this episode resonated, please hit subscribe and leave a 5-star review—it helps more business owners step into financial leadership.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this solo episode, I finally break down the Profit First system—a concept I mention often but haven’t fully unpacked until now. Whether you’re brand new to Profit First or you’ve tried implementing it in your business, I walk you through exactly what it is, how it works, and why it’s been a game changer for me and so many of my clients.I share the psychology behind the system, the key accounts to set up, tips for applying it in an Australian context (including GST and super), and how to get started even if things feel tight right now.What you’ll learn in this episode:What Profit First is and where it came fromHow to set up your business with Profit First bank accountsWhy understanding your financials is crucial—even if numbers scare youHow to create sustainable rhythms with your moneyHow the system adapts to your lifestyle and industryReal examples from my clients and my own business🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First CEO, I walk you through a no-nonsense expense review that every business owner needs. Whether you're starting out or scaling up, it’s time to stop the silent cash leaks and reclaim your financial power. I share practical steps to audit your business expenses, the emotional traps that lead to overspending, and a powerful 4-question filter to help you cut the crap and keep what actually drives momentum. This isn't about being frugal – it's about being intentional and building a business that truly works for you.What You’ll Learn:The difference between spending and investing in your businessHow emotional triggers like FOMO and insecurity lead to unnecessary expensesThe two types of business expenses: fixed and variableMy 4-question filter for reviewing every business expenseHow to create a recurring expense list that saves time and moneySimple ways to cancel, downgrade or renegotiate costs without cutting corners🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

In this episode of Money First, CEO, I introduce you to a powerful concept from the Profit First methodology called the 1% shift. As a business owner and professional bookkeeper, I understand the challenges that come with managing finances. That's why I'm sharing how allocating just 1% of your revenue into a separate profit account can begin transforming your financial habits and your identity as a business owner. I'll walk you through common money habits that keep many of us stuck in reactive mode and how this small yet impactful habit can start flipping that script. I also share a success story from one of my clients, Megan, who runs a freelance design studio. By implementing the 1% shift, Megan moved from feeling broke to stepping into the identity of an empowered business owner. I’ll provide practical steps to help you create a structured financial system, including setting up a separate profit account, celebrating small wins, and understanding the concept of quarterly profit distributions. You don't need to fully implement the entire Profit First system to benefit from this. This is a step you can take right now, no matter where you are in your business journey. By making this small but consistent effort, you can build a disciplined, confident, and profitable business. Join me as I break down how you can start putting your money first, so the rest can follow organically. If you find value in this episode, don't forget to subscribe, leave a review, and share it with other business owners who can benefit from this simple yet effective financial strategy.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]

Welcome to the inaugural episode of Money First, CEO, the podcast designed for business owners ready to master their finances. I'm your host, Harman Johnston, a seasoned bookkeeper, profit-first professional, and business coach from Sydney, Australia. In this episode, I take you through my personal journey, which began in 2019 with young children at home and a desire to support my family financially. I ventured into bookkeeping without prior experience in specific software, driven by past suggestions from a former boss.Despite my skills and passion, I initially operated without a clear financial system, leading to stress and financial uncertainty. My turning point came when I discovered Mike Michalowicz's book, 'Profit First,' which provided a strategic roadmap for better cash flow management. By changing how I allocated money—paying myself, setting aside tax, and creating a financial buffer—I transformed my business operations and personal life, achieving a balance between work and family time.In this podcast, you'll learn from my experiences and gain insights into actionable steps to better manage your finances. I emphasise the importance of financial clarity and offer a simple task to help you start: review the last 30 days of your business bank account to track your spending and payments to yourself. By doing so, you'll begin to see where your money goes, helping you shift your financial management towards more effective practices.Join me on this journey, and get ready to unlock new levels of clarity, confidence, and financial success in your business. Hit subscribe, leave a five-star review, and share this podcast to empower other business owners on their financial journey.🎧 Thanks for listening to the Money First CEO Podcast!If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.Link to expense review🔗 Where to Find Harman:Website: www.blubookkeepers.com.auInstagram: @blubookkeepers    Facebook: @blubookkeepersauTikTok: @profitwithharmanLinkedIn: Harman Johnston📞 Ready to Take Control of Your Business Finances?Book a Free Discovery Call here📩 Have a Question or Want to Be a Guest?Email me directly at: [email protected]