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!
If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.

Link to expense review

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

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

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

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

In this episode of Money First, CEO, I dive deep into a topic that too many business owners avoid—your numbers. Ignoring your financial data isn't just a money problem—it's a mindset issue that leaks into every decision you make, from hiring to pricing to chasing shiny new solutions. I share real-world stories of clients who turned chaos into clarity, the hidden mental load of not knowing your figures, and a practical action step to take control. If you’ve ever found yourself avoiding your finances or making gut decisions instead of informed ones, this episode is your wake-up call.

What You'll Learn in This Episode:

• Why avoiding your numbers drains mental energy and confidence
• How financial avoidance leads to poor decision-making
• The cost of panic-hiring and undercharging
• The power of financial clarity and how it builds CEO confidence
• A simple weekly practice to build data confidence and track progress
• Client stories that prove clarity leads to more profit—not more hustle
• How to conduct a 30-minute mini-audit to start leading with numbers

Take Action:
Block 30 minutes this week to look at your money—review your P&L, compare last month to this month, and reflect: is profit going up, down, or flat? And why?

Subscribe & Review:
If this episode resonated, please hit subscribe and leave a 5-star review—it helps more business owners step into financial leadership.

🎧 Thanks for listening to the Money First CEO Podcast!
If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.

Link to expense review

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

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

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

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

In this solo episode, I finally break down the Profit First system—a concept I mention often but haven’t fully unpacked until now. Whether you’re brand new to Profit First or you’ve tried implementing it in your business, I walk you through exactly what it is, how it works, and why it’s been a game changer for me and so many of my clients.

I share the psychology behind the system, the key accounts to set up, tips for applying it in an Australian context (including GST and super), and how to get started even if things feel tight right now.

What you’ll learn in this episode:

• What Profit First is and where it came from
• How to set up your business with Profit First bank accounts
• Why understanding your financials is crucial—even if numbers scare you
• How to create sustainable rhythms with your money
• How the system adapts to your lifestyle and industry
• Real examples from my clients and my own business

🎧 Thanks for listening to the Money First CEO Podcast!
If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.

Link to expense review

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

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

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

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