PodcastsBusinessMoney Secrets

Money Secrets

Fi Johnston
Money Secrets
Latest episode

61 episodes

  • Money Secrets

    5 Ways to Improve Your Cash Flow (EP#60)

    24/02/2026 | 24 mins.
    Five ways to improve your cash flow — and stop money stress from ruining your business

    Poor cash flow is one of the biggest reasons small businesses go under — and it’s 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.

    🎧 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 — without burning yourself out.



    What you'll learn in this episode:

    What cash flow actually is (and why profit isn’t the same thing)
    Understanding the difference between money coming in and out of your bank account — and why businesses can be “profitable” but still broke.

    The difference between temporary and chronic cash flow problems
    How to tell whether you’re 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 can’t fix what you’re 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 — and how underpricing sneaks in over time.

    Why your systems matter more than your revenue
    The businesses that last aren’t always the ones making the most money — they’re the ones managing it well.

    How systems like Profit First support better cash flow
    Why separating your money into clear “buckets” 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 — 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 — not just your business
    Why the goal isn’t just “more money,” but calmer, more sustainable financial momentum.

    💡 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



    ________________________________________________________________________

    We’ve come so far as a society in many ways, but money is one of the areas where progress hasn’t 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.

    Fi’s 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 what’s to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.

    👉 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.
  • Money Secrets

    Scaling vs. Growing Your Business (EP#59)

    10/02/2026 | 19 mins.
    Growing vs. scaling your business — What’s the fifference (and why it matters)

    In this episode of Money Secrets, Fi tackles a question that comes up constantly in small business conversations — 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 — and far more sustainable — when done intentionally. She also explores how service-based businesses can introduce leveraged income streams without chasing the myth of “passive income.”

    🎧 Tune in to learn how to make smarter decisions about revenue, profitability, and business structure — 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 aren’t interchangeable — and why it matters which one you’re pursuing.

    What “scaling” 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 that’s not a failure — it’s 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 — and how poor expense control can sink otherwise healthy businesses.

    Why agencies and service providers struggle to “scale”
    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 (10–25%) and scalable business margins (50%+).

    How to choose the right strategy for your business
    Based on your goals, values, capacity, and desired lifestyle — not internet hype.

    💡 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

    ________________________________________________________________________

    We’ve come so far as a society in many ways, but money is one of the areas where progress hasn’t 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.

    Fi’s 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 what’s to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.

    👉 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.
  • Money Secrets

    How to Follow Up Your Proposals - From Maybe to Yes Series #4 (EP#58)

    27/01/2026 | 17 mins.
    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 — and she’s 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 there’s 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 — 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 you’ve ever hit “send”, waited, spiralled, and silently hoped someone would magically say yes — this episode will feel like a breath of fresh clarity.

    🎧 Tune in to learn how to build a follow-up sequence that feels warm, ethical, and effective — and finally stop ghosting your own proposals.



    What you'll learn in this episode:

    Why most proposals die (and it’s not because they don’t want you): Fi breaks down why clients often don’t respond — 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 — 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, what’s 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 — not irritation. You’ll learn how to avoid the “Hi, just checking in again?” 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 — even weeks or months later — instead of feeling embarrassed that they “left it too long.”

    When (and how) to close the loop without burning the bridge: You’ll 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 — 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 “yes” 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 — not harassment. When done well, it helps people make decisions that move them closer to their goals. Fi reframes follow-up as service – clarity, support, reminders, and relationship — 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

    ________________________________________________________________________

    We’ve come so far as a society in many ways, but money is one of the areas where progress hasn’t 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.

    Fi’s 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 what’s to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.

    👉 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.
  • Money Secrets

    Nailing Your Proposals - From Maybe to Yes series #3 (EP#57)

    20/01/2026 | 14 mins.
    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 — and this time, she’s 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 — a quote, a scope, a document they send because they “have to.” 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 you’ve 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.

    🎧 Tune in to learn Fi’s 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 wasn’t on the discovery call — 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 client’s goals, challenges, and context).

    How to show “what’s in it for them”: A strong proposal doesn’t jump straight to pricing. Fi shares how to help your client imagine what their future looks like after working with you — and why this emotional connection drives conversion.

    What to customise — 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 — 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 doesn’t need a six-page PDF. A $5,000 project deserves depth. Fi walks you through how to match your proposal’s complexity to the decision your client is making.

    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).

    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.

    ________________________________________________________________________

    We’ve come so far as a society in many ways, but money is one of the areas where progress hasn’t 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.

    Fi’s 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 what’s to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.

    👉 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.
  • Money Secrets

    How to Run Discovery Calls - From Maybe to Yes #2 (EP#56)

    13/01/2026 | 15 mins.
    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 she’s 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 client’s goals, not your guesses.

    If you’ve ever felt nervous, rambly, or unsure of “what to say” on a discovery call… or if you want to increase your conversion rate without feeling salesy… this episode will feel like a deep exhale.

    🎧 Tune in to learn Fi’s 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, what’s 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.



    ________________________________________________________________________

    We’ve come so far as a society in many ways, but money is one of the areas where progress hasn’t 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.

    Fi’s 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 what’s to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.

    👉 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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About Money Secrets

The Money Secrets of successful small business owners. Let's get more money into the hands of good business owners, by talking more about the secrets of money in business.
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