Money First CEO

Harman
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How do you build a business that truly supports your life?  I’m the Money First CEO. Over the past 5 years, I’ve grown a sustainable 6-figure business and built a 7-figure investment portfolio, not by working harder, but by managing money differently.  This podcast shares the real habits, honest lessons, and simple strategies that helped me and can help you build a business that puts profit and peace first.  If you’re ready to feel more confident with your cash and create long-term stability, you’re in the right place. New episodes every Monday.

  1. DEC 14

    Rest, Reflect, Recharge: The CEO Reset You Can’t Afford to Skip

    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, CEO 01:00 The Importance of Rest for CEOs 03:26 Key Lessons for a Money First CEO 05:02 Practical Steps for a CEO Break 07:12 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.au Instagram: @blubookkeepers Facebook: @blubookkeepersau TikTok: @profitwithharman LinkedIn: 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: info@blubookkeepers.com.au

    8 min

  2. DEC 7

    Stop Doing It All: Skyrocket Profits with Smart Delegation

    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, CEO 01:00 The Importance of Delegation 01:38 The Problem with Doing It All 03:27 The Power of Delegation 05:22 Effective Delegation Strategies 07:48 Overcoming Delegation Fears 09:16 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.au Instagram: @blubookkeepers Facebook: @blubookkeepersau TikTok: @profitwithharman LinkedIn: 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: info@blubookkeepers.com.au

    10 min

  3. NOV 30

    Imagine One Fearless Quarter

    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, CEO 00:56 Overcoming Fear and Taking Bold Actions 01:55 Strategies for a Fearless Quarter 03:15 The Importance of Knowing Your Numbers 04:03 Actionable Steps for Financial Clarity 05:26 Challenge for the Week 05:52 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.au Instagram: @blubookkeepers Facebook: @blubookkeepersau TikTok: @profitwithharman LinkedIn: 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: info@blubookkeepers.com.au

    7 min

  4. NOV 23

    The 5 Types of Wealth – Redefining What It Means to Be Truly Wealthy

    Unlocking the Five Types of Wealth: A Holistic Approach to Business Success In 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, CEO 00:59 The Five Types of Wealth 02:07 Time Wealth: Owning Your Time 02:47 Social Wealth: Building Strong Relationships 03:27 Mental Health: Clarity and Calm 04:07 Physical Health: Energy and Wellbeing 04:36 Financial Wealth: Stability and Security 05:16 Reflecting on Your Wealth Balance 06:01 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.au Instagram: @blubookkeepers Facebook: @blubookkeepersau TikTok: @profitwithharman LinkedIn: 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: info@blubookkeepers.com.au

    7 min

  5. NOV 17

    How to Make Profit a Habit – Mike Michalowicz on the Profit First Formula

    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.au Instagram: @blubookkeepers Facebook: @blubookkeepersau TikTok: @profitwithharman LinkedIn: 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: info@blubookkeepers.com.au

    17 min

  6. NOV 9

    Say No, Win Big: Boost Profits with Boundaries

    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, CEO 01:00 The Power of Saying No 01:22 Real-Life Example: The Cost of Saying Yes 02:00 The Importance of Boundaries 03:45 Steps to Set Boundaries 05:32 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.au Instagram: @blubookkeepers Facebook: @blubookkeepersau TikTok: @profitwithharman LinkedIn: 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: info@blubookkeepers.com.au

    7 min

  7. NOV 2

    Get Paid Faster: Transform Your Invoicing Process

    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, CEO 01:00 Chasing Cash, Not Clients 01:19 The Pain of Late Payments 02:11 Using Debt Collection as a Profit First Tool 03:28 Creative Follow-Up Strategies 05:17 Handling Tough Debtors 06:10 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.au Instagram: @blubookkeepers Facebook: @blubookkeepersau TikTok: @profitwithharman LinkedIn: 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: info@blubookkeepers.com.au

    7 min

  8. OCT 26

    Keep Customers Forever: Cash-Boosting Loyalty Secret

    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, CEO 01:00 Keeping Customers Forever: Cash Boosting Loyalty Secrets 01:22 The Cost of Losing Customers 02:30 Loyalty as a Cash Flow Strategy 03:44 Three-Step Plan to Build Customer Loyalty 05:26 Overcoming Challenges in Customer Retention 06:06 Weekly Takeaway: Strengthening Customer Connections 06:44 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.au Instagram: @blubookkeepers Facebook: @blubookkeepersau TikTok: @profitwithharman LinkedIn: 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: info@blubookkeepers.com.au

    7 min
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About

How do you build a business that truly supports your life?  I’m the Money First CEO. Over the past 5 years, I’ve grown a sustainable 6-figure business and built a 7-figure investment portfolio, not by working harder, but by managing money differently.  This podcast shares the real habits, honest lessons, and simple strategies that helped me and can help you build a business that puts profit and peace first.  If you’re ready to feel more confident with your cash and create long-term stability, you’re in the right place. New episodes every Monday.

Information

  • Creator
    Harman
  • Years Active
    2K
  • Episodes
    34
  • Rating
    Explicit
  • Copyright
    © 2025 Money First CEO
  • Show Website
    Money First CEO