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MedSpa Money Matters is your go-to resource for mastering the financial side of MedSpa ownership. Hosted by Scott Wisniewski and Jonny McMullen, this podcast is designed to bring clarity to your finances so you can focus on growing your business.
From financial planning, bookkeeping and taxes to fractional CFO services, Scott and Jonny provide expert insights to help you navigate the unique challenges of running a MedSpa. Whether you want to improve profitability or simply make sense of your numbers, this podcast offers the education and guidance you need to succeed.
Join the conversation and start making empowered financial decisions today—because organized finances lead to a thriving MedSpa. Inject financial simplicity and organization into your MedSpa, with a new episode of MedSpa Money Matters every Tuesday.
From financial planning, bookkeeping and taxes to fractional CFO services, Scott and Jonny provide expert insights to help you navigate the unique challenges of running a MedSpa. Whether you want to improve profitability or simply make sense of your numbers, this podcast offers the education and guidance you need to succeed.
Join the conversation and start making empowered financial decisions today—because organized finances lead to a thriving MedSpa. Inject financial simplicity and organization into your MedSpa, with a new episode of MedSpa Money Matters every Tuesday.
45 Episodes
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The new year is coming up fast, and 2026 is bringing some major updates to retirement saving rules. These aren't small tweaks—many limits are jumping in ways we haven't seen in a long time. That's great news if you're intentional about your planning because more room to save means more room to reduce taxes and grow wealth. Let's walk through the biggest changes and what they mean for you. You can find show notes, resources and more at: https://medspafinancial.com
As we head into the final stretch of the year, this episode is about the conversation many MedSpa owners end up having with us in April—when it's too late to change the outcome for the prior year. The goal today is to shift that conversation into the present, while you still have time to make meaningful adjustments. There are several strategies that simply don't exist once the calendar flips, and we want to make sure you're not one of the owners who finds out in February or March how much they could have saved. So before another year slips by, let's walk through what can still be done right now. You can find show notes, resources and more at: https://medspafinancial.com
Here we are again — the final stretch of the year. Whether you're running holiday promotions, closing out treatment packages, or taking a moment to breathe between clients, the end of the year naturally creates a pause — the kind that invites you to take inventory of your personal financial life, not just the numbers, but the habits and behaviors behind them. So in today's episode, we're going to talk about reflection — what to review, what to evaluate, and how to think about your financial life heading into a new year. And then we'll wrap up with the key year-end deadlines you need to know before the calendar flips. You can find show notes, resources and more at: https://medspafinancial.com
Economic chatter has been getting louder, and whether it's on the news, on podcasts, or in group chats, the word "recession" gets thrown around a lot. But for MedSpa owners, economic shifts don't just show up in the stock market — they eventually show up in bookings, memberships, retail product sales, staffing decisions, patient financing behavior, and overall business stability. That means it's worth understanding what we're actually talking about when we talk about a recession. Before we look at indicators and how they affect aesthetics, let's start with the basics. You can find show notes, resources and more at: https://medspafinancial.com
There's a version of this job that would be a lot simpler. The kind where you manage portfolios, check performance once a quarter, and call it a day. No tax forms, no life events, no late-night texts — just markets and models. It sounds peaceful, almost efficient… until you realize that real people don't live their lives in neat, quarterly increments. That's why today we're talking about what it really means to do this work — the human side of financial advising that no spreadsheet or benchmark can ever capture. You can find show notes, resources and more at: https://medspafinancial.com
Between rising premiums and constant uncertainty in healthcare regulation — not to mention the back-and-forth around employer coverage requirements — a lot of MedSpa owners are finding themselves rethinking what "good coverage" actually means, both for themselves and for their team. So in today's episode, we're unpacking what to look for, what to avoid, and how to make sure your plan fits both your personal health and your business budget going into 2026. You can find show notes, resources and more at: https://medspafinancial.com
We're heading into the final stretch of the year — that time when everything gets busy, but the financial moves you make (or forget to make) can have a big impact come tax season. In this episode, we're shifting the focus from your MedSpa business to you — the owner behind it all. We'll talk about the key personal money moves, tax strategies, and financial checkpoints worth hitting before the clock runs out on 2025. Consider this your quick year-end tune-up to finish strong and start 2026 with clarity and confidence. You can find show notes, resources and more at: https://medspafinancial.com
It's been over three weeks since the government shutdown began — now one of the longest in U.S. history. By the time this episode airs, Congress may have reached a deal, but the uncertainty surrounding it mirrors the broader unease in today's markets. Inflation, rate policy, and concentrated stock performance have investors questioning what comes next. So rather than dive into politics, we'll focus on how markets have historically handled government shutdowns — and what that might tell us about navigating uncertainty today. You can find show notes, resources and more at: https://medspafinancial.com
As we approach year-end, this is the time to get your MedSpa's financial house in order. From reconciling accounts and organizing your books to checking compliance, payroll, and year-end tax strategies, these next few weeks set the tone for how smoothly your new year begins. Whether you handle most of the details yourself or delegate them to your team, having a clear checklist ensures nothing slips through the cracks. Let's walk through the key areas to review so you can finish strong and enter 2026 organized, compliant, and ready to grow. You can find show notes, resources and more at: https://medspafinancial.com
Every year, thousands of new MedSpa owners experience the same rush — that first wave of real revenue. You go from scraping together savings and startup capital to suddenly seeing tens of thousands of dollars hitting your business account each month (hopefully). The excitement is real — but so are the risks of complacency, overspending, or drifting without a plan. But what you do in those first 12–24 months sets the tone for everything that follows — not just for your spa, but for your entire financial life. So today, we're breaking down the four things every new MedSpa owner should be thinking about right now to build wealth and freedom with intention. You can find show notes, resources and more at: https://medspafinancial.com
Artificial intelligence is everywhere in the headlines, and many are calling it the biggest boom since the internet revolution. Some compare it to the dot-com bubble, while others see it as a lasting shift that will reshape how businesses, investors, and individuals operate. What's clear is that the ripple effects go far beyond tech companies — they reach into borrowing costs, retirement accounts, and even the everyday tools we use. The question is: how do we separate hype from reality, and what does that mean for us as investors and participants in this new economy? You can find show notes, resources and more at: https://medspafinancial.com
The Federal Reserve's recent decision to cut interest rates has made headlines, and while it may seem like something that only affects Wall Street, the reality is that these moves ripple through every corner of the economy. From borrowing and lending to savings yields and consumer confidence, rate changes shape how businesses and households make financial decisions. With inflation still above target and unemployment inching higher, the Fed's shift signals both opportunity and caution. On today's episode, we'll explore what this environment means and where the most relevant strategies and opportunities may lie. You can find show notes, resources and more at: https://medspafinancial.com
We get asked all the time by MedSpa owners: "How much do I need to retire?" Surprisingly, the answer to that is actually, "You're asking the wrong question." The real question is: How do you build a business that doesn't just pay you—but frees you? In the MedSpa world, profitability is only half the equation; the other half is designing a model that runs without you, scales beyond you, and ultimately lets you choose when—and how—you step away. You can find show notes, resources and more at: https://medspafinancial.com
Most MedSpa owners spend their careers building discipline — pouring profits back into the business, paying down equipment loans, maxing out retirement accounts when possible, and making sure the numbers always work. By the time they reach financial independence, the nest egg (and/or business equity) is there, but something unexpected happens: the habits that carried them here don't always translate into the next phase. Stepping back from day-to-day operations brings a new challenge, not about how to save or reinvest, but how to spend — and for many owners, that's a tougher adjustment than it sounds. Today, we're going to unpack that paradox and explore why so many of the best savers/builders struggle the most when it's finally time to enjoy the fruits of their labor. You can find show notes, resources and more at: https://medspafinancial.com
Running a MedSpa isn't just about great treatments or the latest technology—it's also about the conversations you're having every single day. From the way you describe a service, to the tone of voice in a social media post, to the reassurance you give during a first consultation, your words shape how clients see and trust you. The most successful MedSpas understand that communication is just as important as skill. In this episode, we'll explore how being intentional with your words can transform everyday interactions into long-term loyalty. You can find show notes, resources and more at: https://medspafinancial.com
If you're a business owner or high-income earner, the difference between a good year and a great one often comes down to what you keep — not just what you make. The tax code is filled with opportunities that go unnoticed by most, especially those who don't have time to dig deep or plan ahead. But when structured correctly, even small adjustments can produce outsized results. In this episode, we're walking through a collection of powerful strategies that reward proactive thinking — and could change how you look at tax season altogether. You can find show notes, resources and more at: https://medspafinancial.com
When it comes to long-term success, nothing moves the needle quite like exposure to the equity markets. For most professionals, the sweet spot for taking on that market risk happens in their 30s and 40s—when income is steady, savings are growing, and there's still plenty of time to ride out volatility. But for MedSpa owners, that window looks different. The mix of business ramp-up, higher reinvestment needs, and a potential plan to exit or semi-retire sooner means the equity sweet spot is more compressed—but arguably even more important. It's in those high-earning, high-growth years where leaning into equities—despite market risk—can be critical to building a personal cushion strong enough to weather revenue swings, staffing changes, and the unpredictability that comes with running a consumer-driven aesthetics business. You can find show notes, resources and more at: https://medspafinancial.com
Imagine profiting $1.5 to $2 million a year… and still feeling like you want to walk away. On the outside, it looks like a dream business—clients love you, the brand is strong, and the numbers look great. But behind the scenes, the pressure, decisions, and constant demands tell a very different story. In this episode, we'll unpack why that disconnect happens and how high-earning MedSpa owners can regain clarity, control, and confidence. You can find show notes, resources and more at: https://medspafinancial.com
Most conversations around money focus on either how to make more or how to spend less — but what if we zoomed out and looked at the entire journey? Today, we're breaking down a framework that maps out the stages of financial growth in a way that's deeply relevant to MedSpa entrepreneurs. It's not about formulas or hacks — it's about clarity, perspective, and power. Wherever you are in your business, this will help you see your progress — and your potential — through a whole new lens. You can find show notes, resources and more at: https://medspafinancial.com
Cancellations and no-shows: they may seem like occasional inconveniences, but their ripple effects can hit harder than you think — from revenue gaps to strained teams and chaotic schedules. Whether you're brand new or already established, how you handle these moments speaks volumes about your systems. So today, we're unpacking the hidden cost of cancellations — and how to protect your time, your team, and your bottom line. You can find show notes, resources and more at: https://medspafinancial.com
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