Money First CEO

Harman
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  • Entrepreneurship

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. 3d ago

    The Money Conversation Nobody Wants to Have With Their Partner

    We talk a lot on this podcast about profit first percentages and Xero reports, but this episode is about something most business owners avoid completely: the money conversation with your partner. I'm not a relationship expert or a therapist. I'm a bookkeeper and a Profit First Professional, and I've lived the tension of business money spilling into home life. In this episode I'm sharing why this conversation is so hard, what happens when you avoid it, and exactly how to have it in a way that brings you and your partner closer instead of pushing you apart. Key takeaway Your partner doesn't need every financial detail. They need honesty, context and a plan. What we cover •    Why business income creates a different kind of pressure at home than a regular pay cheque •    The two patterns that don't work: silence and conflict •    The three things your partner actually needs to hear •    How Profit First builds trust without a finance lesson •    A step by step guide to having the conversation well •    What to do if your partner doesn't understand the business, or is too involved •    This week's five minute action step “Nothing builds trust faster than showing someone there's a system protecting the family's financial future.” 🎧 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

  2. Jul 15

    Small Business Budgeting Made Simple

    Budgeting does not need to mean a complicated spreadsheet you build once and never look at again. In this episode of Money First CEO, Harman Johnston breaks down a simple, practical approach to small business budgeting that helps you understand where your money is going, protect the money that matters and stop expenses quietly eating into your profit. Harman shares the three layers of a simple business budget, why expense creep is one of the biggest silent profit killers in small business, and the regular money habits that can help you make calmer, more confident financial decisions. In this episode, you’ll learn: ·       Why many small business owners avoid budgeting and end up spending based on feel ·       The three simple layers of an effective business budget ·       How to use your average monthly revenue as a realistic budgeting baseline ·       Why owner’s pay, tax and profit should be protected before operating expenses ·       How expense creep can quietly reduce your profit margin ·       The three questions to ask when reviewing recurring business expenses ·       Simple spending rules that take emotion out of business purchases ·       Why your budget needs a buffer for unexpected costs ·       How to plan for annual and quarterly expenses before they become a cash flow problem ·       How to use budget versus actual reporting in Xero to spot variances and ask better questions Harman’s simple budgeting framework 1. Revenue: Use your average monthly revenue from the last six months as your realistic baseline. 2. Protected money: Allocate owner’s pay, tax and profit before spending on the business. 3. Operating expenses: What is left becomes the spending limit for running the business. Your Money First action this week Pull up your recurring expenses in Xero. Choose three subscriptions, tools or ongoing charges you have not reviewed in at least six months. Ask: Am I still using this? Is there a better deal? Is it earning its place? That one exercise could save your business hundreds of dollars a month. 🎧 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

  3. Jul 5

    How to Increase Profit Without Working More Hours

    Your business is busy. Revenue is coming in. But you are still wondering where the money goes. If more profit feels like it would require more clients, more work and longer hours, this episode is for you. In this episode of Money First CEO, Harman Johnston shares five practical ways service-based business owners can increase profit without adding more to their already full week. You will learn how to spot hidden expenses, review pricing with confidence, separate your cash properly, plan for hiring and create a simple weekly money routine that helps you make better decisions. This is a must-listen if you are working hard in your business but not seeing enough left over for profit, tax or your own pay. In this episode, you will learn:  Why more revenue is not always the answer to more profit  How to find expenses quietly reducing your margins  Why reviewing your pricing matters more than you think  How Profit First helps you stop guessing what you can afford  How to prepare for a new hire without putting pressure on cash flow  The weekly money habit that helps you lead like a CEO Your next level of profit may not come from doing more. It may come from paying closer attention to what is already happening in your business. Listen now and start making your money work harder than you do. 🎧 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

  4. Jun 28

    I Spent $20,000 in One Month on My Business. Here’s Why.

    This month Harman invested $20,000 back into her business. Not on a new car or a fancy rebrand. On four strategic investments that most business owners overlook. In this episode she breaks down exactly where every dollar went, the thinking behind each decision, and what it means to spend like a Money First CEO. If you have ever hesitated to hire a professional, avoided learning something new, or felt uncomfortable talking about money in your business, this episode is for you. What You Will Learn •       Why hiring a professional copywriter is one of the highest-return investments you can make •       How to approach AI as a business investment, not a trend to wait on •       The real reason avoiding sales is costing you clients, not saving you integrity •       A simple Profit First strategy for prepaying annual subscriptions at EOFY •       How to make spending decisions from data, not fear Key Timestamps •       [00:01:00] The $20k reveal and why Harman is sharing it •       [00:02:00] Investment 1: Professional copywriting for the Financial Calm System •       [00:05:00] Investment 2: AI retreat and why staying on the sidelines is a risk •       [00:07:00] Investment 3: Sales retreat and the truth about ethical selling •       [00:10:00] Investment 4: Annual subscription prepayments and EOFY tax strategy •       [00:13:00] Tying it all together: what it actually costs to build a business that lasts •       [00:16:00] Your one takeaway for this week "The business can only grow as fast as the person running 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.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

  5. Jun 21

    The Business Mistakes That Cost Me Time, Money and Growth

    Everyone loves talking about the wins. The new clients. The revenue milestones. The growth.    But what if the biggest lessons in business come from the mistakes?    In this honest and personal episode of Money First CEO, Harman Johnston shares the business mistakes that cost her time, money, energy and growth during the early years of building Blu Bookkeepers.    What You'll Learn:  • Why waiting too long to hire can stunt business growth  • The hidden cost of trying to do everything yourself  • Why being available 24/7 is hurting your business  • The importance of paying yourself consistently  • How to avoid burnout while still growing  • Why asking for help is a leadership skill    Listen to the full episode 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.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

  6. Jun 15

    Stop Doing It All: Why a Money First CEO Brings In the Experts

    Most business owners wear doing everything themselves like a badge of honour.  But what if doing it all is the very thing holding your business back?  In this episode of Money First CEO, Harman Johnston shares the lessons he learned the hard way about delegation, outsourcing, and letting go.  From copywriting and branding to ads, email marketing and bookkeeping, Harman breaks down the hidden cost of DIY and why trying to save money often costs far more in lost time, lower quality results, and missed opportunities.  If you’re constantly overwhelmed, stretched thin, and feel like the bottleneck in your business, this episode will help you think differently about outsourcing and leadership.  What You’ll Learn  • Why being across everything is different from doing everything  • The true cost of DIY in business  • How to calculate the value of your time  • The biggest mistakes Harman made trying to do everything himself  • Why outsourcing is an investment, not an expense  • When it’s time to hire a bookkeeper  • How Money First CEOs think about delegation  Key Takeaway  Your job is not to do everything.  Your job is to lead everything.  The fastest growing businesses are built by owners who focus on their strengths and surround themselves with experts.  Timestamps  00:00 Welcome  04:00 The trap of doing everything yourself  14:00 What I tried to do myself and why I stopped  26:00 Why bookkeeping is the perfect outsourcing example  50:00 How a Money First CEO thinks about outsourcing  56:00 Final thoughts and your next step  🎧 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. Jun 7

    EOFY Without the Panic: 7 Things Every Business Owner Should Do Before June 30

    End of financial year isn't about tax. It's about making better business decisions. In this episode, Harman walks you through seven practical things every business owner should do before June 30 so you can close the year with clarity and start the new one with intention.  In this episode:  Why EOFY is a leadership moment, not just a compliance deadline Get your books up to date so every decision is based on real numbers Chase overdue invoices (one of our clients collected $42k in three days) Know exactly where your cash sits across every account Get a rough tax estimate before the bill arrives Review how the year actually went, revenue vs what you kept Pay yourself and explore tax savings before June 30 closes the window Set clear financial targets so next year has direction   Mentioned in this episode:  Profit First system and account allocations The importance of super being received by the fund before June 30 How a $25k super contribution saved one client $8k in tax   Ready to get clarity on your numbers before June 30?  Book a free discovery call with Harman at blubookkeepers.com.au 🎧 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. May 31

    The Number Every Business Owner Should Know But Doesn’t

    Most business owners know their revenue. Some know how many clients they have. Very few know the one number that tells them whether their business is actually working. Their profit margin. In this episode of Money First CEO, Harman Johnston breaks down why so many business owners are operating without this critical number, even when they’re generating six figures a month. You’ll learn how to calculate your profit margin, why revenue can create a false sense of success, and how understanding this one number can completely change the way you make decisions as a CEO. Harman also shares a real client story that highlights what happens when you finally gain financial clarity and stop guessing where the money is going. What You’ll Learn • The number every business owner should know • The difference between gross profit and net profit • How to calculate your profit margin • Why revenue does not equal financial health • The four reasons most business owners avoid their numbers • How Profit First creates visibility and control • Why weekly money dates are a game changer • The CEO mindset shift that changes everything Key Takeaway -Revenue tells you what came in. -Profit tells you what you kept. -If you don’t know your profit margin, you’re making decisions in the dark. Timestamps 00:00 Welcome 01:00 The number every business owner should know 02:30 How to calculate profit margin 04:00 Gross profit vs net profit 05:00 Why business owners avoid their numbers 08:00 Client story and financial breakthrough 10:00 The Financial Calm System 11:00 Four practical steps to improve visibility 13:00 Money blocks and CEO thinking 14:00 Next steps Listen now and discover the number that could change the way you run your 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.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

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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
    2025 - 2026
  • Episodes
    61
  • Rating
    Explicit
  • Copyright
    © 2026 Money First CEO
  • Show Website
    Money First CEO

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