In this episode of Money First, CEO, I’m taking a step back to reintroduce myself and give you the real story behind how I got here—from multi-seven-figure retail operations to startups and bookkeeping for small business owners. I share the biggest mindset and money shifts that helped me go from stressed and overspending to strategic and intentional.

But more importantly, I give you one simple, powerful move to make this week that could change everything: separate your personal and business finances.

Whether you’re earning $500 or $50,000 a month, this episode will help you understand:

• Why mixing your accounts is costing you more than you think
• How this one change sets the foundation for Profit First
• The tax, emotional, and strategic consequences of messy finances
• A practical, low-effort step you can take today to start thinking like a CEO

Key Topics Covered:

• Why I started this podcast and what’s changing
• My personal money journey (from spender to intentional CFO)
• What makes real financial clarity possible in business
• The dangers of mingled finances
• A step-by-step starting point for separating business money
• Why Profit First won’t work without this foundation

Action Step This Week:
Open a separate business bank account today. Start with one. This is the first move toward building a sustainable, stress-free money system.

Quote to Remember:
“Profit isn’t a goal—it’s a habit. And it starts with one account.”

🎧 Thanks for listening to the Money First CEO Podcast!
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Link to expense review

🔗 Where to Find Harman:
Website: www.blubookkeepers.com.au
Instagram: @blubookkeepers

Facebook: @blubookkeepersau
TikTok: @profitwithharman
LinkedIn: Harman Johnston

📞 Ready to Take Control of Your Business Finances?
Book a Free Discovery Call here

📩 Have a Question or Want to Be a Guest?
Email me directly at: info@blubookkeepers.com.au