Money First CEO
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.
Episodes
61 episodes
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 therapi...
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 unde...
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 Fi...
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 behi...
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 F...
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 ...
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 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 ...
What I've Been Hearing From Business Owners This Month
EOFY is coming.And right now, a lot of business owners are feeling the pressure.Not because their business is failing. Not because revenue is low. But because they still do not feel in control of their money.In this honest ...
Why Your Business Makes Money… But You Still Feel Broke
In this episode of Money First CEO, Harman Johnston breaks down one of the biggest frustrations service-based business owners face:“Why does my business look successful… but I still feel broke?”If your revenue is growing but your ...
If I Had to Start Again from $0… This Is Exactly What I’d Do
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...
The $100K Mistake: Hiring Before You’re Financially Ready
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 bre...
The Owner Trap – When Your Business Depends on You
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 busin...
Tax Without Panic – How to Always Be Ready
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 emerge...
Your Numbers Are Talking. You’re Just Not Listening.
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 miscon...
The 15-Minute Money Health Check Every CEO Should Do This Week
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...
Why You Still Feel Broke After Your Best Month
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 reta...
The Expense Trap Smart CEOs Keep Falling For
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...
The $10K Decision You’re Avoiding
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,...
The Truth About Hiring a Professional Bookkeeper
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 cl...
How to Pay Yourself More Without Increasing Revenue
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 challen...
What CEOs Get Wrong When They Do Their Own Bookkeeping
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 pr...
“Where’s My Profit?!” - Why Your Bank Balance Doesn’t Match Your P&L
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 a...
How to Financially Prepare for Hiring, Without Stressing Your Bottom Line
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 b...
Annual Price Reviews – A CEO’s Non-Negotiable
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 increas...