Afleveringen
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What if building wealth isn't just about what you know, but what you believe?
Why do so many capable women still hesitate to invest, charge more, or trust themselves with money?
In this episode of Money Secrets, Fi is joined by financial coach and Rapid Transformational Therapy practitioner Jan Morrison for a powerful conversation exploring the intersection of financial literacy, money mindset, and the subconscious beliefs that shape our financial lives.
After spending over 40 years working in finance, Jan realised that numbers alone don't create financial freedom. The biggest breakthroughs happen when financial knowledge is combined with self-trust, emotional awareness, and a willingness to challenge the beliefs we've carried since childhood.
Together, Fi and Jan unpack why so many women struggle to build wealth despite being incredibly capable, the societal messages that still influence our financial decisions, and practical strategies to start creating long-term financial security.
Whether you're growing a business, building your investment portfolio, or simply trying to feel more confident with money, this episode offers both practical advice and mindset shifts to help you move forward.
đ§ Tune in to discover why understanding your money story could be just as important as understanding your bank account.
Ready to take action? Download Jan's free guide, 5 Easy Steps to Create Financial Freedom, for practical steps to strengthen your relationship with money and investing.Free guide: How to Price Your Product or Service
Why financial literacy alone isn't enough to build wealth. Learn how mindset, self-trust, and subconscious beliefs influence every financial decision you make.The four stages of financial freedom and how to move through them. Discover the journey from the financial "roundabout" to creating long-term financial independence.How childhood experiences shape your relationship with money. Understand where limiting money beliefs come from and why they often continue into adulthood.Why women often undercharge, over-deliver, and hesitate to invest. Explore the social conditioning and confidence gaps that continue to affect financial decisions.How your brain keeps you financially "safe" even when it holds you back. Learn how familiarity, procrastination, and fear can quietly limit business and wealth growth.The role of your nervous system in growing your income. Understand why sustainable financial growth happens gradually rather than through overnight success.Simple habits that can dramatically improve your financial future. Discover why paying yourself first and automating investments creates long-term wealth.The difference between active income and passive income. Learn how to make your money start working for you instead of relying solely on your own work.Why investing early matters more than investing perfectly. Explore concepts like compounding and dollar-cost averaging that reward consistency over timing.How increasing your income supports long-term wealth creation. Discover why earning more and charging appropriately can have an even bigger impact than cutting costs.The three pillars of Jan's Money Story Audit framework. Learn how emotional mindset, financial knowledge, and subconscious beliefs work together to shape outcomes.Why financial freedom starts with believing you're worthy of it. Hear the simple but powerful reminder that lasting wealth begins with believing you deserve it.
What you'll learn in this episode:
đĄ If this conversation resonates and you want hands-on support, you can work with Fi one-on-one or join Good Money Club, where small business owners learn how to make and manage money with clarity, confidence, and impact.
- Good Money Club (doors are open now)
Peach Weekly - Sign up for sharp, practical business thinking delivered straight to your inbox.Say hi: [email protected]
________________________________________________________________________
In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.
Fiâs mission? To get more money into the hands of good people, like you. She believes small businesses can change the world, but only if we're making money and managing it well.
________________________________________________________________________
Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business
If you are excited for whatâs to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.Check out my FREE Pricing Training you need to set your prices for profitability.
________________________________________________________________________
This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.
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Free guide: How to Price Your Product or Service
What money thoughts live rent free in your mind?
A simple, powerful Money Psychology Exercise for you.
In this special episode of Money Secrets, Fi shares a powerful guided exercise recorded during a recent Good Money Monday session inside Good Money Club as part of Money Psychology Week.We often hear that mindset matters when it comes to money, but identifying the thoughts driving our decisions isn't always easy. In this practical exercise, Fi guides listeners through a series of everyday business and life scenarios designed to uncover the beliefs, stories, fears, and assumptions we hold about money, success, opportunity, and self-worth. Each scenario is designed to reveal the thoughts that influence your actions and ultimately shape your results.
How your money thoughts shape your results and influence your decisions.How to uncover money stories that impact your actions without you realising it.Why approaching your thoughts with curiosity is more useful than self-judgment.What your reactions to opportunities reveal about your beliefs around success and visibility.How scarcity thinking shows up in everyday situations and affects financial decision-making.The role comparison plays in your money mindset and how it influences your perspective.What your response to financial surprises can teach you about resilience and money beliefs.How growth opportunities can uncover hidden fears around success, responsibility, and risk.Why visibility, recognition, and success can feel uncomfortable, even when you want them.How your mindset influences the way you market, sell, lead, and grow your business.How to uncover limiting beliefs that may be holding you back from making more money.Why self-awareness is one of the most valuable skills you can develop as a business owner.How recognising your money thoughts is the first step towards changing them.The connection between money psychology, business growth, and long-term success.
This episode isn't just something to listen to; it's an exercise to participate in. Grab a notebook, find a quiet space, and work through the prompts alongside Fi. You may discover money beliefs you didn't know were there, uncover mindset shifts you've already made, or identify patterns that could be holding you back from earning, charging, investing, or growing your business.
đ§ Tune in, complete the exercise with us, and then we'd love to hear what came up for you. Send us an email or message and share the money thoughts, insights, or surprises you discovered.
What you'll learn in this episode:đĄ If this conversation resonates and you want hands-on support, you can work with Fi one-on-one or join Good Money Club, where small business owners learn how to make and manage money with clarity, confidence, and impact.
- Good Money Club (doors are open now)
Peach Weekly - Sign up for sharp, practical business thinking delivered straight to your inbox.Say hi: [email protected]
________________________________________________________________________
In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.
Fiâs mission? To get more money into the hands of good people, like you. She believes small businesses can change the world, but only if we're making money and managing it well.
________________________________________________________________________
Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business
If you are excited for whatâs to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.Check out my FREE Pricing Training you need to set your prices for profitability.
________________________________________________________________________
This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.
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Zijn er afleveringen die ontbreken?
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Free guide: How to Price Your Product or Service
Pricing Strategy: In this episode of Money Secrets, Fi tackles one of the most important decisions every business owner makes: pricing.
Drawing on 25 years of experience working with small businesses, Fi explains why undercharging is one of the most common mistakes she sees and how it can impact both profitability and growth. She unpacks the psychology behind pricing, why "affordable" isn't always the goal, and how your pricing influences the way potential clients perceive the value of your products and services.
Fi also shares a practical framework for setting prices that support your income goals, including how to break down revenue targets using the two key levers available to every business owner: price and volume.
Whether you're a service provider, freelancer, consultant, or product-based business owner, this episode will help you rethink your pricing strategy and build a business that is both profitable and sustainable.
đ§ Tune in to learn why pricing matters more than you think, how to stop undercharging, and the simple calculations that can help you make more money without working harder.
What you'll learn in this episode:
Why undercharging is so common. Many small business owners price based on fear, affordability, or a desire to be liked rather than business sustainability.The hidden cost of being "affordable." Low prices can create perceptions of lower quality and attract the wrong customers.Why pricing has such a significant impact on your income. Your pricing decisions directly influence your ability to generate revenue and profit.How to calculate what you need to earn. Breaking down annual revenue goals helps create a realistic plan for achieving them.The two levers that drive revenue growth. Every business can increase income through either higher prices or higher sales volume.Why increasing prices is often easier than increasing volume. Raising your average sale can be more effective than constantly chasing more customers.How to use pricing to reach your revenue goals. Fi shares practical examples for both service-based and product-based businesses.Why understanding your costs matters. Time, delivery costs, and business expenses all need to be factored into your pricing.How pricing influences customer perception. Your prices communicate value, experience, and quality before a client ever works with you.What high-quality clients expect. Savvy customers understand that great products and services come with an appropriate price tag.How pricing supports business sustainability. Charging appropriately creates room for better customer experiences, stronger delivery, and greater impact.Why pricing is both a financial and strategic decision. Setting prices isn't just about covering costsâit's about positioning your business for long-term success.The mindset shifts needed to charge more confidently. Understanding your value helps you move beyond scarcity thinking and price with intention.How to build a more profitable business. Small pricing adjustments can have a significant impact on revenue without increasing workload.đĄ If this conversation resonates and you want hands-on support, you can work with Fi one-on-one or join Good Money Club, where small business owners learn how to make and manage money with clarity, confidence, and impact.
- Good Money Club (doors are open now)
Peach Weekly - Sign up for sharp, practical business thinking delivered straight to your inbox.Say hi: [email protected]
________________________________________________________________________
In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.
Fiâs mission? To get more money into the hands of good people, like you. She believes small businesses can change the world, but only if we're making money and managing it well.
________________________________________________________________________
Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business
If you are excited for whatâs to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.Check out my FREE Pricing Training you need to set your prices for profitability.
________________________________________________________________________
This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.
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In this episode of Money Secrets, Fi explores what it really takes to prepare a business for sale.
Drawing on her experience as a chartered accountant, Fi shares what buyers are really looking for and why building a sellable business can benefit you long before you're ready to exit. From profitability and cash flow to systems, processes, brand strength, and founder dependency, she breaks down the key factors that influence business value and the practical steps you can take to build a stronger, more sustainable business.
Whether you're planning to sell your business one day or simply want to build a stronger business today, this episode will help you think differently about what makes a business truly valuable.
đ§ Tune in to learn what buyers are looking for, how to increase the value of your business, and why preparing for an eventual exit could help you build a business you love owning.
The doors to Good Money Club are open right now. You deserve your own Board of Directors, and you'll get that and more inside this community for women business owners.
What you'll learn in this episode:
Why selling a business takes longer than most people expect. Exiting a business often requires significant time, energy, and preparation.What buyers are really looking for. Profitability, assets, systems, and risk all influence business value.Why consistent profits matter. Buyers want confidence that a business can generate reliable returns over time.The assets that increase business value. Brands, websites, customer contracts, and engaged communities all count.How buyers assess risk. Leases, staffing obligations, and legal issues can impact a sale.Why founder dependency is a problem. Businesses that rely heavily on the owner can be harder to sell.How systems and processes add value. Clear workflows help a business operate without constant founder involvement.Why positive cash flow is essential. Healthy cash flow supports both sustainability and growth.The role of brand and community. Strong customer relationships can make a business more attractive to buyers.How to prepare your business for sale. Pricing, profitability, systems, and team development all matter.Why building a sellable business benefits you now. The same improvements often create a better business to own.How to create more freedom as a business owner. Reducing founder reliance gives you greater flexibility and options.đĄ If this conversation resonates and you want hands-on support, you can work with Fi one-on-one or join Good Money Club, where small business owners learn how to make and manage money with clarity, confidence, and impact.
- Good Money Club (doors are open now)
Peach Weekly - Sign up for sharp, practical business thinking delivered straight to your inbox.Say hi: [email protected]
________________________________________________________________________
Weâve come so far as a society in many ways, but money is one of the areas where progress hasnât been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business.
In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.
Fiâs mission? To get more money into the hands of good people, like you. She believes small businesses can change the world, but only if we're making money and managing it well.
________________________________________________________________________
Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business
If you are excited for whatâs to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.Check out my FREE Pricing Training you need to set your prices for profitability.
________________________________________________________________________
This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.
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In this episode of Money Secrets, Fi unpacks a challenge that catches many small business owners by surprise: the faster your business grows, the more cash it often needs.
Drawing on her experience as a chartered accountant and money coach, Fi explains why growing businesses can find themselves running out of money even when sales are increasing. She breaks down the cash flow pressures faced by both product-based and service-based businesses and shares practical strategies to help business owners grow sustainably without putting unnecessary strain on their finances.
From stock purchases and pricing strategies to hiring decisions and waitlists, this episode is packed with practical advice for small business owners who want to grow with more confidence, control, and financial stability.
đ§ Tune in to learn why growth can create cash flow challenges, how to spot the warning signs early, and what you can do to build a business that grows sustainably.
The doors to Good Money Club are open right now. You deserve your own Board of Directors, and you'll get that and more inside this community for women business owners.
What you'll learn in this episode:
Why growing businesses often run out of cash. Increased revenue doesn't always mean more available money, especially when expenses are due long before customers pay you.The hidden cash flow challenge facing product businesses. Stock purchases often need to be funded months before sales revenue arrives.Why pricing plays a critical role in sustainable growth. Healthy margins help fund future stock orders, team growth, and business expansion.How rapid growth can create financial pressure. Growing faster than your systems, processes, and cash flow can support may create unnecessary risk.When it may be time to slow growth intentionally. Adjusting marketing activity, launch schedules, or pricing can help create a more manageable pace of growth.How pre-orders can improve cash flow. Using customer deposits to help fund inventory purchases can reduce financial pressure and minimise excess stock.Why service businesses experience similar cash flow challenges. Hiring staff often requires paying wages before the revenue generated by those team members arrives.How waitlists can support smarter hiring decisions. Building future demand before recruiting can reduce risk and improve confidence when growing your team.The difference between hiring billable and non-billable team members. Understanding how each role contributes to growth helps you make more strategic hiring decisions.Why non-billable roles can still drive revenue growth. Support staff can free up business owners to focus on business development, leadership, and growth activities that generate more income.The importance of planning for growth before it happens. Having clear financial forecasts and growth strategies can help avoid cash flow surprises.How to think differently about growth and profitability. Sustainable growth requires balancing ambition with strong financial foundations.đĄ If this conversation resonates and you want hands-on support, you can work with Fi one-on-one or join Good Money Club, where small business owners learn how to make and manage money with clarity, confidence, and impact.
- Good Money Club (doors are open now)
Peach Weekly - Sign up for sharp, practical business thinking delivered straight to your inbox.Say hi: [email protected]
________________________________________________________________________
Weâve come so far as a society in many ways, but money is one of the areas where progress hasnât been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business.
In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.
Fiâs mission? To get more money into the hands of good people, like you. She believes small businesses can change the world, but only if we're making money and managing it well.
________________________________________________________________________
Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business
If you are excited for whatâs to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.Check out my FREE Pricing Training you need to set your prices for profitability.
________________________________________________________________________
This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.
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In this episode of Money Secrets, Fi unpacks one of the biggest mistakes small business owners make when trying to recruit staff: Assuming candidates are automatically excited about working for them.
Drawing on her background in HR and years of experience supporting small business owners, Fi shares practical strategies for attracting great employees, improving your recruitment process, and positioning your business as a genuinely appealing place to work.From careers pages and job ads to interviews, onboarding, and employer branding, this episode is packed with grounded, actionable advice for small business owners who want to build stronger teams and create a workplace people genuinely want to be part of.
đ§ Tune in to learn how a stronger employer brand, clearer recruitment process, and more intentional candidate experience can help you attract and retain better staff.
The doors to Good Money Club are open right now. You deserve your own Board of Directors, and you'll get that and more inside this community for women business owners.
What you'll learn in this episode:
Why recruiting is also a sales process. Candidates are assessing your business just as much as youâre assessing them.How employer branding impacts recruitment. The way you show up online shapes whether great candidates want to work with you.Why small businesses need to better communicate their unique advantages. Flexibility, proximity to decision-making, and meaningful work are often undervalued perks.The importance of showcasing your team publicly. Highlighting employees and workplace culture builds trust and credibility with future candidates.Why every small business should have a careers page. A dedicated page helps communicate your values, culture, and opportunities more clearly.How to write a stronger, more compelling job ad. Great job ads focus on what the candidate gains, not just what the business expects.Why recruitment should start with short phone calls. Quick screening calls save time, improve filtering, and create a better candidate experience.The role onboarding plays in employee success. New team members need context, clarity, and over-communication to thrive.Why strong brands attract stronger candidates. Businesses with clear, trusted brands often find recruitment significantly easier.How thoughtful recruitment processes create better long-term outcomes. Better hiring decisions lead to stronger teams, smoother growth, and healthier businesses.đĄ If this conversation resonates and you want hands-on support, you can work with Fi one-on-one or join Good Money Club, where small business owners learn how to make and manage money with clarity, confidence, and impact.
- Good Money Club (doors are open now)
Peach Weekly - Sign up for sharp, practical business thinking delivered straight to your inbox.Say hi: [email protected]
________________________________________________________________________
Weâve come so far as a society in many ways, but money is one of the areas where progress hasnât been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business.
In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.
Fiâs mission? To get more money into the hands of good people, like you. She believes small businesses can change the world, but only if we're making money and managing it well.
________________________________________________________________________
Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business
If you are excited for whatâs to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.Check out my FREE Pricing Training you need to set your prices for profitability.
________________________________________________________________________
This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.
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In this episode of Money Secrets, Fi shares a real behind-the-scenes story from planning the Ripple Retreat and how a frustrating customer experience sparked this episode about sales, communication, and the way small business owners make things harder for themselves.
After trying to book a winery tour for a group retreat, Fi found herself receiving a $5,000 invoice before her questions had even been answered, followed by repeated payment reminders and no follow up info. This is a powerful example of how many businesses unintentionally lose trust, connection, and sales momentum during the inquiry process.
From proposals and follow-ups to personalisation and communication, this episode is packed with practical reminders about what actually helps people feel confident enough to buy.
đ§ Tune in to learn how thoughtful communication, stronger sales processes, and a more intentional customer experience can make making money feel easier.
The doors to Good Money Club are open right now. You deserve your own Board of Directors, and you'll get that and more inside this community for women business owners.
What you'll learn in this episode:
Why leads should be treated with more care and attention. A new enquiry is a real opportunity, and communication shapes whether someone chooses to work with you.How poor communication can quietly lose sales. Sending invoices too early or failing to answer questions can create friction and reduce trust.Why a proposal can strengthen your sales process. A thoughtful proposal helps clients feel confident and understand what makes your business different.The importance of making clients feel seen and understood. Personalised communication and thoughtful follow-up help clients feel supported and respected.How follow-ups can build trust instead of pressure. Great follow-ups answer questions, offer reassurance, and strengthen the relationship.How small tweaks can make making money easier. Simple improvements to your systems and communication can significantly improve the client experience.The role of customer experience in standing out from competitors. The way you guide people through the enquiry process matters more than you think.How small business owners unintentionally make things harder for themselves. Many businesses focus on getting leads, but not enough on nurturing them.Why respecting the size of a client investment matters. Clients spending thousands of dollars want to feel informed, reassured, and looked after.How better systems can create calmer, more sustainable growth. Thoughtful sales processes reduce confusion and help business feel more intentional.đĄ If this conversation resonates and you want hands-on support, you can work with Fi one-on-one or join Good Money Club, where small business owners learn how to make and manage money with clarity, confidence, and impact.
- Good Money Club (doors are open now)
Peach Weekly - Sign up for sharp, practical business thinking delivered straight to your inbox.Say hi: [email protected]
________________________________________________________________________
Weâve come so far as a society in many ways, but money is one of the areas where progress hasnât been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business.
In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.
Fiâs mission? To get more money into the hands of good people, like you. She believes small businesses can change the world, but only if we're making money and managing it well.
________________________________________________________________________
Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business
If you are excited for whatâs to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.Check out my FREE Pricing Training you need to set your prices for profitability.
________________________________________________________________________
This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.
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In this episode of Money Secrets, Fi breaks dives into something so many business owners experience: making money is not the same as having money.
Even when revenue is strong, itâs common to still feel stressed, stretched, and unsure where the money is actually going. Fi explains why this happens, especially during busy or growth periods, and shares practical ways to manage your money more intentionally.
From understanding your ideal client to implementing Profit First, creating spaciousness in your day, and addressing scope creep, this episode is packed with tested advice to help you make money, and keep it.
đ§ Tune in to learn how to manage your money while your business and your wellbeing.
The doors to Good Money Club are open right now. You deserve your own Board of Directors, and you'll get that and more inside this community for women business owners.
What you'll learn in this episode:
Making money is not the same as having money. Bringing in revenue doesnât guarantee financial stability, how you manage that money is what creates profit and security.How to increase revenue by focusing on the right clients. The clients you can do your best work for, and who value it most, are how to make more money with less effort.Why business growth can lead to financial stress. Growth periods bring higher revenue, but also more pressure, longer hours, and increased (often unseen) spending.How stress and busyness impact your spending habits. When youâre overwhelmed, itâs easy to make quick, reactive decisions that lead to higher expenses and less profit.How Profit First helps you manage your money more effectively. Setting clear percentages for profit, pay, and expenses creates structure and helps you keep more of what you earn.Why slowing down leads to better financial decisions. Creating space in your day, your schedule, and your thinking helps you move from reactive spending to intentional choices.How over-delivering and scope creep affect profitability. Doing more than what clients are paying for can quietly reduce your margins and increase stress.The connection between your nervous system and your money. Feeling frantic or overwhelmed can drive spending, learning to regulate yourself is part of managing your finances.How to build a business that actually keeps money. With the right systems, pricing, and pace, you can move from just making money to creating real financial stability.đĄ If this conversation resonates and you want hands-on support, you can work with Fi one-on-one or join Good Money Club, where small business owners learn how to make and manage money with clarity, confidence, and impact.
- Good Money Club (doors are open now)
Peach Weekly - Sign up for sharp, practical business thinking delivered straight to your inbox.Say hi: [email protected]
________________________________________________________________________
Weâve come so far as a society in many ways, but money is one of the areas where progress hasnât been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business.
In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.
Fiâs mission? To get more money into the hands of good people, like you. She believes small businesses can change the world, but only if we're making money and managing it well.
________________________________________________________________________
Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business
If you are excited for whatâs to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.Check out my FREE Pricing Training you need to set your prices for profitability.
________________________________________________________________________
This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.
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This episode of Money Secrets looks at three Australian brands with business models that Fi absolutely loves, and why they work so well. These three businesses manufacture in Australia and are masters of communicating their unique value.
Fi unpacks what makes these businesses stand out, from how they design their products and choose their partners, to the way they build customer relationships and deliver their offers.
Featuring Good Citizens, Yarn'n, and Wolki Farm, this episode is a chance to explore what theses businesses do well, to help you think differently about how your own business works.
đ§ Tune in to explore what makes a business model truly powerful, and how you can apply these ideas to build something more profitable, aligned, and sustainable.
The doors to Good Money Club are open right now. You deserve your own Board of Directors, and you'll get that and more inside this community for women business owners.
What you'll learn in this episode:
Why great business models go beyond just making money. The best businesses create products people genuinely want and deliver them in innovative, thoughtful ways.
What makes up a business model. From value proposition to customer relationships, partners, costs, and distribution, understanding these building blocks helps you design a business that works.
How simplifying your offers can increase profitability. A smaller product range often reduces costs, removes overwhelm for customers, and improves conversion rates.
Why transparency and storytelling are powerful marketing tools. Clearly showing how your business operates builds trust and helps customers feel confident choosing you.
How choosing the right partners strengthens your business model. Aligning suppliers, collaborators, and charities with your values creates a more compelling and cohesive brand.
Why âwhereâ and âhowâ you deliver matters as much as what you sell. Innovative distribution channels can reduce costs, increase convenience, and create stronger customer loyalty.
The role of customer relationships in long-term success. Moving from âcustomersâ to âmembersâ or community can deepen trust and increase retention.
Why pricing for value (not competition) leads to better outcomes. Businesses that prioritise quality, impact, and sustainability can charge in alignment with the value they deliver.
How to think more strategically about your own business. From simplifying offers to rethinking delivery and partnerships, small shifts in your model can create big results.
Why your business model is one of your biggest opportunities. When designed well, it supports profitability, impact, ease, and long-term sustainability, all at once.
đĄ If this conversation resonates and you want hands-on support, you can work with Fi one-on-one or join Good Money Club, where small business owners learn how to make and manage money with clarity, confidence, and impact.
- Good Money Club (doors are open now)
Business Model Design - want to go deeper? You can access Fiâs Business Model Design program anytime to learn how to build a model that actually supports your profit, time, and growth.
Peach Weekly - donât miss Fiâs weekly insights. Sign up to The Peach Weekly for sharp, practical business thinking delivered straight to your inbox.Say hi: [email protected]
________________________________________________________________________
Weâve come so far as a society in many ways, but money is one of the areas where progress hasnât been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business.
In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.
Fiâs mission? To get more money into the hands of good people, like you. She believes small businesses can change the world, but only if we're making money and managing it well.
________________________________________________________________________
Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business
If you are excited for whatâs to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.Check out my FREE Pricing Training you need to set your prices for profitability.
________________________________________________________________________
This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.
-
The doors to Good Money Club are open right now. You deserve your own Board of Directors, and you'll get that and more inside this community for women business owners.
Choosing the right business model is one of the most important decisions youâll make in your business, yet itâs often the most overlooked. This podcast episode is from a live Good Money Club training session that we thought you'd get value from.
In this episode of Money Secrets, Fi breaks down why your business model is the foundation of everything: your pricing, your marketing, your time, and ultimately your profitability.
From understanding why more marketing wonât fix a broken model, to exploring different ways businesses are structured (consultant, online business, agency, e-commerce), this episode will help you step back and think strategically about how your business actually works and whether itâs working for you.
đ§ Tune in to understand how your business model impacts your income, your time, and your ability to create a business that feels both profitable and sustainable.
What you'll learn in this episode:
Why no amount of marketing can fix the wrong business model. Marketing brings people in, but your business model determines whether it actually works.
How your business model and marketing need to work together. When they align, you attract the right clients and deliver your services more efficiently.
Why adding more revenue streams isnât always the answer. More offers often create more complexity, not more profit.
How your business model shapes your pricing and ideal clients. The right structure helps you charge in line with the value you deliver.
Why productivity and automation wonât fix the wrong foundations. Being faster at the wrong things wonât make your business more profitable.
The difference between being helpful and being valuable. Valuable work is what people are willing to pay for and thatâs what your business should focus on.
How to think about return on effort in your business. The right model helps you focus your time on activities that actually generate results.
Why your business model should reflect how you want to spend your time. From delivery to marketing to managing a team, your model determines your day-to-day work.
The realities of different business models. Whether consultant, online business, agency, or e-commerce, each requires a different balance of time and skills.
Why your business model is your secret weapon. When itâs set up correctly, it improves profitability, client outcomes, and overall business sustainability.
đĄ If this conversation resonates and you want hands-on support, you can work with Fi one-on-one or join Good Money Club, where small business owners learn how to make and manage money with clarity, confidence, and impact.
- Good Money Club (doors are open now)
Say hi: [email protected]
________________________________________________________________________
Weâve come so far as a society in many ways, but money is one of the areas where progress hasnât been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business.
In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.
Fiâs mission? To get more money into the hands of good people, like you. She believes small businesses have the power to change the world, and the key to making a bigger impact is to make, and manage, more money.
________________________________________________________________________
Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business
If you are excited for whatâs to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.Check out my FREE Pricing Training you need to set your prices for profitability.
________________________________________________________________________
This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.
-
The doors to Good Money Club are open right now. You deserve your own Board of Directors, and you'll get that and more inside this community for women business owners.
This episode is a practical reset on how to think about money in your business.
Want a quick refresh of the best money advice weâve shared so far? In this special remix edition of the Money Secrets podcast, Fi pulls together 10 of the most powerful takeaways from past episodes â in one juicy mixtape.
Pulling from episodes on business model, pricing, financial goals, ideal clients, money mindset, strategy, managing your money, time, and revenue growth, this remix brings the core ideas together in one place. Itâs designed to help you step back, see the bigger picture, and focus on the fundamentals that actually drive profitability and long-term success in small business.
đ§ Tune in to understand whatâs really driving your results, where your attention is best spent, and how to build a more profitable and sustainable business.
What you'll learn in this episode:
Why your business model underpins everything. Strong, profitable businesses are built on clear structure, not just good ideas or marketing.
Why most small business owners are underpricing. Pricing is shaped by value, demand, and confidence, not just numbers.
How to approach financial goals in a practical way. Goals are about designing your business, not predicting the future.
What it takes to increase your prices. Moving to higher pricing requires clearer positioning and stronger communication.
The most common money challenges female business owners face. Undercharging, lack of confidence, and lack of strategy continue to hold many founders back.
Why strategy should be simple and focused. Doing fewer things, more intentionally, leads to better outcomes.
How managing your money builds confidence. Clear systems and visibility make better decision-making possible.
Why time is your most valuable resource. How you spend your time directly impacts your revenue and growth.
The difference between $30 decisions and $30,000 decisions. Focusing on high-impact decisions is what drives real progress.
Why long-term thinking matters for growth. Investing time in your business, not just client work, is key to increasing revenue sustainably.
đĄ If this conversation resonates and you want hands-on support, you can work with Fi one-on-one or join Good Money Club, where small business owners learn how to make and manage money with clarity, confidence, and impact.
- Good Money Club (doors are open now)
Say hi: [email protected]
________________________________________________________________________
Weâve come so far as a society in many ways, but money is one of the areas where progress hasnât been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business.
In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.
Fiâs mission? To get more money into the hands of good people, like you. She believes small businesses have the power to change the world, and the key to making a bigger impact is to make, and manage, more money.
________________________________________________________________________
Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business
If you are excited for whatâs to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.Check out my FREE Pricing Training you need to set your prices for profitability.
________________________________________________________________________
This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.
-
The doors to Good Money Club are open right now. You deserve your own Board of Directors, and you'll get that and more inside this community for women business owners.
Business isnât linear. Neither is money.In this episode of Money Secrets, Fi challenges one of the most persistent myths in business: that success follows a neat, logical, step-by-step path.
Drawing on 25 years as a Chartered Accountant working closely with small business owners, she explains why real businesses donât grow in straight lines, and why money decisions rarely come from pure logic. Humans are emotional, messy, and influenced by past experiences, responsibilities, and mental load, especially women who are often carrying far more than just their businesses.
đ§ Tune in to understand why âperfect strategiesâ fail in the real world, how money behaviour shapes business outcomes, and what actually leads to sustainable profitability.
What you'll learn in this episode:
The âlinear success storyâ is a myth. Popular business narratives often show tidy upward growth, but real businesses move through messy cycles, setbacks, and pivots.
How emotions drive financial decisions. Even experienced founders make money decisions based on instinct, fear, past experiences, and current stress, not just data.
The invisible scaffolding behind many (male) success stories. Fi speaks to the unspoken support enabling some founders to focus fully on business, particularly female unpaid labour.
Perfect plans donât guarantee results. A flawless strategy wonât work if human behaviour, motivation, and circumstances arenât aligned with it.
Money beliefs from childhood still influence your business. The messages you absorbed about money can quietly shape pricing, spending, risk tolerance, and decision-making.
Common money behaviours founders fall into. Avoiding finances, overspending, hoarding cash, underpricing, or struggling to receive money, all patterns Fi sees regularly.
Expecting consistency sets you up for disappointment. Business owners donât show up perfectly every day, and neither does the market. Success comes from navigating the fluctuations.
The difference between strategy and implementation. Plans provide direction, but habits, mindset, and behaviour determine whether those plans actually work.
How profitable businesses reduce life stress. Financial stability can ease the mental load many women carry outside of work, from caregiving to household responsibilities.
Why support and community matter for financial success. Safe spaces to talk about money help business owners unpack limiting beliefs and make clearer decisions.
đĄ If this conversation resonates and you want hands-on support, you can work with Fi one-on-one or join Good Money Club, where small business owners learn how to make and manage money with clarity, confidence, and impact.
- Good Money Club (doors are open now)
Say hi: [email protected]
________________________________________________________________________
Weâve come so far as a society in many ways, but money is one of the areas where progress hasnât been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business.
In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.
Fiâs mission? To get more money into the hands of good people, like you. She believes small businesses have the power to change the world, and the key to making a bigger impact is to make, and manage, more money.
________________________________________________________________________
Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business
If you are excited for whatâs to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.Check out my FREE Pricing Training you need to set your prices for profitability.
________________________________________________________________________
This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.
-
The doors to Good Money Club are open right now. If you want practical support to make more money and manage it well, now is the time to join.
Women in business arenât making enough money.We need a different conversation this International Women's Day.
In this episode of Money Secrets, Fi talks about something that doesnât get said often enough: many women business owners simply arenât making enough money. Despite being busy, capable, and doing "all the right thingsâ.
As International Womenâs Day conversations ramp up, Fi moves beyond the usual statistics to talk about what she sees inside real businesses every day. The problem isnât just pay gaps or access to funding. Itâs that many women are undercharging, overdelivering, and carrying the weight of everyone elseâs expectations. At the expense of their own income and sustainability.
Drawing on 25 years of experience working with small business owners, Fi explains why this pattern happens, how it shows up in pricing and client work, and what actually needs to change if you want a business that pays you properly.
đ§ Listen in to understand why earning more isnât about confidence hacks or hustle. Itâs about making clearer decisions, setting boundaries, charging properly, and surrounding yourself with the kind of support that helps you do the hard things that actually move the needle.
What you'll learn in this episode:
Why revenue is what most women in business need, not venture capital funding. While venture capital inequality gets attention, most small business owners donât need funding, they need sustainable income.
The hidden âgender revenue gapâ. Fi shares her perspective from decades in the numbers: women business owners earn significantly less than men, but this gap is rarely measured or discussed.
How social conditioning impacts pricing and boundaries. From a young age, many women are taught to be agreeable and accommodating. Traits that lead to underpricing and difficulty holding boundaries with clients.
Why underpricing and over-servicing go hand in hand. Working harder to avoid uncomfortable conversations may feel easier in the moment, but it leads to burnout, resentment, and unsustainable businesses.
The real cost of scope creep. Delivering more than promised (often unpaid) doesnât just hurt profitability, it damages client relationships and personal wellbeing.
Difficult conversations are essential for growth. Raising prices, reinforcing scope, and setting boundaries are uncomfortable, but they are what create work-life balance and financial stability.
The importance of paying yourself properly, including superannuation. Many women business owners neglect their own long-term financial security, creating future inequality even when their businesses appear successful.
Strategy alone isnât enough. Advice and plans donât change businesses. Implementation does. And implementation often requires support, accountability, and courage.
What meaningful support actually looks like. Not cheerleading or empty positivity, but communities that challenge you, hold you accountable, and help you move through fear and doubt.
Discomfort is part of building a successful business. Growth often requires actions that feel deeply uncomfortable, but those actions create freedom, stability, and better outcomes over time.
đĄ If this conversation resonates and you want hands-on support, you can work with Fi one-on-one or join Good Money Club, where small business owners learn how to make and manage money with clarity, confidence, and impact.
- Good Money Club (Doors are open now)
________________________________________________________________________
Weâve come so far as a society in many ways, but money is one of the areas where progress hasnât been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business.
In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.
Fiâs mission? To get more money into the hands of good people, like you. She believes small businesses have the power to change the world, and the key to making a bigger impact is to make, and manage, more money.
________________________________________________________________________
Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business
If you are excited for whatâs to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.đ Try Rounded free for 30 days
The link is for users new to Rounded only and offers a free, unrestricted 30-day free trial of Rounded for users who pay tax in Australia or New Zealand. No credit card needed.Check out my FREE Pricing Training you need to set your prices for profitability.
________________________________________________________________________
This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.
-
Five ways to improve your cash flow â and stop money stress from ruining your business
Poor cash flow is one of the biggest reasons small businesses go under â and itâs also one of the most stressful things to live with as a business owner.
In this episode of Money Secrets, Fi breaks down five practical, proven ways to improve your cash flow, so you can stop feeling constantly on edge and start running a business that actually supports you.
Drawing on 25 years of experience as a chartered accountant and business strategist, Fi explains what cash flow really is, why so many businesses struggle with it (even profitable ones), and the simple shifts you can make to create more stability, confidence, and breathing room in your business finances.
đ§ Tune in to learn how to spot the warning signs of poor cash flow, why growth can sometimes make things worse, and how to build systems that keep money moving â without burning yourself out.
What you'll learn in this episode:
What cash flow actually is (and why profit isnât the same thing)
Understanding the difference between money coming in and out of your bank account â and why businesses can be âprofitableâ but still broke.The difference between temporary and chronic cash flow problems
How to tell whether youâre dealing with a short-term cash squeeze or a deeper structural issue in your business.Why paying attention is the first (and most important) step
You canât fix what youâre avoiding. Fi explains simple ways to start tracking cash flow without overwhelm.How pricing directly impacts your cash flow
Not raising prices is one of the fastest ways to create cash flow problems â and how underpricing sneaks in over time.Why your systems matter more than your revenue
The businesses that last arenât always the ones making the most money â theyâre the ones managing it well.How systems like Profit First support better cash flow
Why separating your money into clear âbucketsâ helps you stay solvent, pay the ATO, and actually keep some profit.Why growing too fast can break your cash flow
How rapid growth puts pressure on wages, stock, and systems â and why slower, steadier growth is often healthier.The concept of fast, medium, and slow money
How having multiple income timelines protects your business and smooths cash flow across the month.Why relying on one revenue stream is risky
How diversifying income sources and payment timing can stabilise your business long-term.How to build cash flow that supports your life â not just your business
Why the goal isnât just âmore money,â but calmer, more sustainable financial momentum.đĄ If this conversation resonates and you want hands-on support, you can work with Fi one-on-one or join Good Money Club, where small business owners learn how to make and manage money with clarity, confidence, and impact.
- Good Money Club (a few spots will open in 2026)
- Signature 1:1 Program (spaces available from Jan 2026 onwards)
- VIP Day (only one per month, these are powerful strategy sessions)
On-demand training is available any time:
Business Model Design | Good Money Challenge
________________________________________________________________________
Weâve come so far as a society in many ways, but money is one of the areas where progress hasnât been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business.
In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.
Fiâs mission? To get more money into the hands of good people, like you. She believes small businesses have the power to change the world, and the key to making a bigger impact is to make, and manage, more money.
________________________________________________________________________
Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business
If you are excited for whatâs to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.đ Try Rounded free for 30 days
The link is for users new to Rounded only and offers a free, unrestricted 30-day free trial of Rounded for users who pay tax in Australia or New Zealand. No credit card needed.Check out my FREE Pricing Training you need to set your prices for profitability.
________________________________________________________________________
This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.
-
Growing vs. scaling your business â Whatâs the fifference (and why it matters)
In this episode of Money Secrets, Fi tackles a question that comes up constantly in small business conversations â should you be growing your business, or scaling it?
These terms are often used interchangeably online, but they mean very different things. And misunderstanding the difference can lead to unrealistic expectations, cash flow stress, and chasing strategies that were never right for your business model in the first place.
Fi breaks down what scaling actually means, why not every business is built to scale, and how growth can be just as powerful â and far more sustainable â when done intentionally. She also explores how service-based businesses can introduce leveraged income streams without chasing the myth of âpassive income.â
đ§ Tune in to learn how to make smarter decisions about revenue, profitability, and business structure â based on what your business is truly designed to do.
What you'll learn in this episode:
The real difference between growing and scaling a business
Why these concepts arenât interchangeable â and why it matters which one youâre pursuing.What âscalingâ actually means in practice
How scalable businesses increase income without increasing costs, and why this usually applies to tech, digital products, and one-to-many offers.Why most service businesses grow (not scale)
And why thatâs not a failure â itâs simply a different financial model.The myth of passive income
Why all income requires effort somewhere, and where the work actually sits in scalable businesses.How growth impacts cash flow and expenses
Why growing revenue often means growing costs â and how poor expense control can sink otherwise healthy businesses.Why agencies and service providers struggle to âscaleâ
And how chasing scalability can create unrealistic profit expectations.How to add leveraged income inside a service business
Including group programs, digital products, licensing IP, referrals, and affiliate revenue.What profit margins really look like
The difference between typical growth-based margins (10â25%) and scalable business margins (50%+).How to choose the right strategy for your business
Based on your goals, values, capacity, and desired lifestyle â not internet hype.đĄ If this conversation resonates and you want hands-on support, you can work with Fi one-on-one or join Good Money Club, where small business owners learn how to make and manage money with clarity, confidence, and impact.
- Good Money Club (a few spots will open in 2026)
- Signature 1:1 Program (spaces available from Jan 2026 onwards)
- VIP Day (only one per month, these are powerful strategy sessions)
On-demand training is available any time:
Business Model Design | Good Money Challenge
________________________________________________________________________
Weâve come so far as a society in many ways, but money is one of the areas where progress hasnât been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business.
In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.
Fiâs mission? To get more money into the hands of good people, like you. She believes small businesses have the power to change the world, and the key to making a bigger impact is to make, and manage, more money.
________________________________________________________________________
Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business
If you are excited for whatâs to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.đ Try Rounded free for 30 days
The link is for users new to Rounded only and offers a free, unrestricted 30-day free trial of Rounded for users who pay tax in Australia or New Zealand. No credit card needed.Check out my FREE Pricing Training you need to set your prices for profitability.
________________________________________________________________________
This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.
-
We created a free workbook to go with this podcast episode. Grab it here :)
Before you market anything⊠listen to this
In this episode of Money Secrets, Fi wraps up Part 4 of the four-part From Maybe to Yes series â and sheâs tackling one of the most avoided (and emotionally loaded) parts of business: following up your proposals.
Most business owners pour their energy into attracting the lead, running a beautiful discovery call, writing a thoughtful proposal⊠and then freeze. The proposal goes out. The excitement fades. And when thereâs no reply? Panic, shame, avoidance, and second-guessing take over.
Fi flips this pattern entirely. She shows you why the follow-up is the sales process â and how to approach it with intention, empathy, structure, and self-respect. Instead of feeling clingy or awkward, Fi teaches you how to create a clear, confident follow-up plan that respects both you and the potential client.
If youâve ever hit âsendâ, waited, spiralled, and silently hoped someone would magically say yes â this episode will feel like a breath of fresh clarity.
đ§ Tune in to learn how to build a follow-up sequence that feels warm, ethical, and effective â and finally stop ghosting your own proposals.
What you'll learn in this episode:
Why most proposals die (and itâs not because they donât want you): Fi breaks down why clients often donât respond â and how their silence usually has nothing to do with your worth, your offer, or your abilities. Timing, capacity, life admin, and decision fatigue are far more common than rejection.
Instead of spiralling after you hit send, Fi explains why you should have a pre-written, pre-thought-out follow-up sequence ready before emotions get involved. This is your most powerful sales asset â not an afterthought.
How to get clients talking about their goals, not just their problems: You'll learn how to uncover what clients really want, whatâs currently not working for them, and how to reflect that back so they feel understood, seen, and supported.
How to follow up without being annoying: Fi walks through how to create thoughtful, varied follow-ups that add value â not irritation. Youâll learn how to avoid the âHi, just checking in again?â emails and instead craft messages that genuinely move someone toward a decision.
How to keep the door open without creating shame: Fi explains how to craft follow-ups that make people feel welcome to reply at any time â even weeks or months later â instead of feeling embarrassed that they âleft it too long.â
When (and how) to close the loop without burning the bridge: Youâll learn how to write a final follow-up that respectfully closes the proposal conversation while still keeping the relationship open for the future. Because sales is long-game relationship building â not just one yes/no moment.
How often to follow up (and when to stop): Fi shares realistic timelines for different price points, how many follow-ups most people need, and why your âyesâ might come on the 4th⊠7th⊠or even 12th email.
Why following up is an act of care, not clinginess: Fi reframes follow-up as service: clarity, support, reminders, and relationship â not harassment. When done well, it helps people make decisions that move them closer to their goals. Fi reframes follow-up as service â clarity, support, reminders, and relationship â not harassment. When done well, it helps people make decisions that move them closer to their goals.
Check out Renee Wallace's Masterclass: Post-Proposal Email Nurture Sequence
________________________________________________________________________
Weâve come so far as a society in many ways, but money is one of the areas where progress hasnât been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business.
In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.
Fiâs mission? To get more money into the hands of good people, like you. She believes small businesses have the power to change the world, and the key to making a bigger impact is to make, and manage, more money.
________________________________________________________________________
Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business
If you are excited for whatâs to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.đ Try Rounded free for 30 days
The link is for users new to Rounded only and offers a free, unrestricted 30-day free trial of Rounded for users who pay tax in Australia or New Zealand. No credit card needed.Check out my FREE Pricing Training you need to set your prices for profitability.
________________________________________________________________________
This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.
-
We created a free workbook to go with this podcast episode. Grab it here :)
Before you market anything⊠listen to this.In this episode of Money Secrets, Fi continues Part 3 of the four-part From Maybe to Yes series â and this time, sheâs diving into one of the most overlooked but high-impact parts of your sales process: your proposal.
Most business owners treat proposals like an administrative formality â a quote, a scope, a document they send because they âhave to.â Fi flips that completely. She shows you how to create a proposal that actually sells your work: one that reflects your expertise, demonstrates your value, builds trust, and makes it easy for clients to say yes.
If youâve ever wondered what to include, how detailed your proposal should be, how to personalise it, or how to make it feel premium⊠this episode will give you clarity, direction, and a structure that works every time.
đ§ Tune in to learn Fiâs framework for creating confident, compelling, high-converting proposals that support your clients and your business.
What you'll learn in this episode:
Why proposals are a key sales tool, not paperwork. Often, the person reading your proposal wasnât on the discovery call â meaning this document must stand alone and clearly communicate your value, process, and expertise.
The difference between:
Template sections (the beautifully designed, always-consistent foundations), and
Custom sections (tailored specifically to that clientâs goals, challenges, and context).
How to show âwhatâs in it for themâ: A strong proposal doesnât jump straight to pricing. Fi shares how to help your client imagine what their future looks like after working with you â and why this emotional connection drives conversion.
What to customise â and why personalisation matters: From goals to scope, timelines to inclusions, Fi explains the exact elements you should tailor so your client feels seen, understood, and supported.
Why you should recommend one option â not 14: Too much choice overwhelms clients. Fi explains how to confidently recommend the best-fit option, backed by what you learned in the discovery call.
How to tailor proposal length to the investment: A $500 offer doesnât need a six-page PDF. A $5,000 project deserves depth. Fi walks you through how to match your proposalâs complexity to the decision your client is making.
How to identify when someone is not the right fit â and still build the relationship: Learn how to gracefully redirect, recommend someone else, and stay in integrity without burning bridges (because referrals and future work often come from these calls).
Why a second discovery call is sometimes the right next step: For complex or custom work, Fi shares how to re-engage thoughtfully so you can refine scope, recommend the right path forward, and build trust.Get the free downloadable workbook HERE to help you apply this Sales Sprint training directly to your business.
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Weâve come so far as a society in many ways, but money is one of the areas where progress hasnât been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business.
In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.
Fiâs mission? To get more money into the hands of good people, like you. She believes small businesses have the power to change the world, and the key to making a bigger impact is to make, and manage, more money.
________________________________________________________________________
Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business
If you are excited for whatâs to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.đ Try Rounded free for 30 days
The link is for users new to Rounded only and offers a free, unrestricted 30-day free trial of Rounded for users who pay tax in Australia or New Zealand. No credit card needed.Check out my FREE Pricing Training you need to set your prices for profitability.
________________________________________________________________________
This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.
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We created a free workbook to go with this podcast episode. Grab it here :)
Before you market anything⊠listen to this
In this episode of Money Secrets, Fi continues Part 2 of the four-part From Maybe to Yes series. In this episode sheâs diving into one of the most misunderstood, high-impact skills in small business: running a great discovery call.
Most business owners treat discovery calls like a rushed introduction, a free coaching session, or an awkward pitch. Fi flips that completely. She shows you how to approach the call as an expert, create a calm and welcoming experience, guide the conversation with intention, and recommend the best-fit solution based on your clientâs goals, not your guesses.
If youâve ever felt nervous, rambly, or unsure of âwhat to sayâ on a discovery call⊠or if you want to increase your conversion rate without feeling salesy⊠this episode will feel like a deep exhale.
đ§ Tune in to learn Fiâs framework for confident, ethical, high-conversion discovery calls that turn interested people into enthusiastic clients.What you'll learn in this episode:
Why discovery calls start before the actual call: Fi breaks down why your sales process begins the moment someone books. From filtering ideal clients to preparing questions, research, and setting expectations: the groundwork is what determines whether the call leads to a yes.
How to position yourself as the expert (without being pushy): Fi explains how to confidently lead the conversation, set an agenda at the start of the call, and create a calm, guided experience that helps clients trust your expertise.
How to get clients talking about their goals, not just their problems: You'll learn how to uncover what clients really want, whatâs currently not working for them, and how to reflect that back so they feel understood, seen, and supported.
The power of recommending packages instead of custom quotes: Fi shares why bespoke quoting slows down your sales process, and how having clear packages allows you to confidently recommend the right option on the call.
How to handle objections with clarity and ease: Instead of avoiding hesitation, Fi teaches how to invite objections, let clients express all of them openly, and walk through each one with reassurance and expertise.
Why discovery calls are also market research gold: Fi explains how to use the language your leads naturally use, their words for their problems, goals, and fears, to strengthen your marketing and improve conversions.
How to identify when someone is not the right fit, and still build the relationship: Learn how to gracefully redirect, recommend someone else, and stay in integrity without burning bridges (because referrals and future work often come from these calls).
Get the free downloadable workbook HERE to help you apply this Sales Sprint training directly to your business.
________________________________________________________________________
Weâve come so far as a society in many ways, but money is one of the areas where progress hasnât been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business.
In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.
Fiâs mission? To get more money into the hands of good people, like you. She believes small businesses have the power to change the world, and the key to making a bigger impact is to make, and manage, more money.
________________________________________________________________________
Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business
If you are excited for whatâs to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.đ Try Rounded free for 30 days
The link is for users new to Rounded only and offers a free, unrestricted 30-day free trial of Rounded for users who pay tax in Australia or New Zealand. No credit card needed.Check out my FREE Pricing Training you need to set your prices for profitability.
________________________________________________________________________
This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.
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We created a free workbook to go with this podcast episode. Grab it here :)
Before you market anything⊠listen to this
In this episode of Money Secrets, Fi kicks off a brand-new four-part series called From Maybe to Yes (Sales Sprint), designed to help small business owners boost revenue with clarity, confidence, and strategy. This series begins with one of the most foundational topics: how to attract the right clients.
Instead of focusing on tactical marketing tasks, Fi zooms out to the strategic layer: understanding your ideal client, defining the value you provide, and communicating that value in language your customers actually use. Because when youâre crystal clear on who you serve and what theyâre trying to achieve, everything in your business becomes easier, from marketing and messaging to sales and conversions.
đ§ Tune in to learn how to define your ideal client, craft an offer they genuinely want, and communicate in a way that makes them immediately recognise that youâre the right fit for them.
What you'll learn in this episode:
Why your ideal client sits at the heart of your business strategy: Fi explains why knowing exactly who youâre speaking to: their goals, challenges, desires, and language, lays the foundation for every decision you make in your business.
How to identify the problems your clients are trying to solve: Great offers donât start with what you do. They start with the transformation your clients want. Fi shows how to look beyond surface-level problems and understand whatâs truly getting in their way.The real purpose of your value proposition: Before you talk about features or inclusions, you must be able to articulate the outcome your client is chasing, and how your service or product removes the barriers between them and that outcome.Why jargon kills conversions: Your clients are on page 1, not page 100. Fi breaks down how to communicate in the voice of your customer and why using their own words leads to faster, easier sales.How to make your website actually work for you: Most business owners focus their website on themselves. Fi explains why your homepage and about page should centre your client - who they are, why theyâre here, and what they want - and how to make your pricing and call-to-action clear and compelling.The brave move of putting your prices on your website: Fi shares why transparent pricing saves everyone time and why premium pricing requires premium communication, visuals, and brand experience.The crucial step most small business owners miss: You must test your offer in the real world. Fi explores product-market fit and why talking to real people matters more than tinkering behind the scenes.Get the free downloadable workbook HERE to help you apply this Sales Sprint training directly to your business.
________________________________________________________________________
Weâve come so far as a society in many ways, but money is one of the areas where progress hasnât been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business.
In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.
Fiâs mission? To get more money into the hands of good people, like you. She believes small businesses have the power to change the world, and the key to making a bigger impact is to make, and manage, more money.
________________________________________________________________________
Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business
If you are excited for whatâs to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.đ Try Rounded free for 30 days
The link is for users new to Rounded only and offers a free, unrestricted 30-day free trial of Rounded for users who pay tax in Australia or New Zealand. No credit card needed.Check out my FREE Pricing Training you need to set your prices for profitability.
________________________________________________________________________
This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.
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From $10 a day to agency CEO: Jarrah Brailey on content, confidence & charging more
In this episode of Money Secrets, Fi sits down with social media obsessed agency founder Jarrah Brailey from Jampacked Agency for a behind-the-scenes look at how content, strategy and clever engagement build online communities that make strong businesses.
From secretly setting up a Facebook account at 10 years old and charging $10 a day for her social media services, to leading a fully-remote content and ads agency working with product-based brands around Australia. Jarrah shares what really moves the needle on platforms like Instagram and TikTok â and why your creative is your most important currency.
đ§ Tune in for a refreshingly real conversation about organic vs paid, content that actually converts, learning to love your numbers, and the uncomfortable-but-essential process of putting your prices up so you can do your best work.What you'll learn in this episode:
Why âone size fits allâ content is costing you time and money. How copying the same post across Instagram, TikTok, LinkedIn and Pinterest signals you âdonât getâ the platform.
Platform culture 101: TikTok vs Instagram. The key differences in pace, polish and ânativeâ feel between TikTok and Instagram, and why branding-heavy carousels donât fly everywhere.
Organic social as brand builder, not an instant ATM. How to think about organic content as top-of-funnel brand building, and which metrics actually matter (hint: itâs not just sales).
Paid ads as a multiplier, not a magic tap. Why ads canât fix a leaky offer, clunky website or unclear messaging, and what foundations to have in place before you start spending.
Creative is currency in paid ads. Why the quality, concept and âscroll-stoppingâ power of your creative now matters more than ever.
Making social media actually sell. Where organic, paid and email each sit in helping people move from curious to converted.
Becoming the kind of business owner who can read their numbers. Jarrahâs journey from crying in a meeting with her accountant to confidently logging into Xero, reading her Profit & Loss and making decisions without waiting for permission.
Pricing as the unlock for better work and better clients. What happened when Jam Packedâs retainers increased, and why higher prices often mean better results, not just more revenue.
Dropping the ego and embracing beginner energy. How allowing yourself to be âthe three-year-old on a skateboardâ with money and metrics can transform your business faster than pretending you already know it all.
Connect with Jarrah Brailey:
Instagram: https://www.instagram.com/jampacked.agency/
Web: https://jampackedagency.com.au/about-us/
LinkedIn: https://www.linkedin.com/in/jarrah-brailey/
________________________________________________________________________Weâve come so far as a society in many ways, but money is one of the areas where progress hasnât been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business.
In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open.
Fiâs mission? To get more money into the hands of good people, like you. She believes small businesses have the power to change the world, and the key to making a bigger impact is to makeâand manageâmore money.
________________________________________________________________________
Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a DM to @peach.business
If you are excited for whatâs to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.đ Try Rounded free for 30 days
The link is for users new to Rounded only and offers a free, unrestricted 30-day free trial of Rounded for users who pay tax in Australia or New Zealand. No credit card needed.Want to find out more about Good Money Club? It's for female and non-binary business owners ready to make more money and impact. Join us?
Check out my FREE Pricing Training you need to set your prices for profitability.
________________________________________________________________________
This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land.
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