Money Secrets

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.businessIf 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. 

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 you’re crystal clear on who you serve and what they’re trying to achieve, everything in your business becomes easier, from marketing and messaging to sales and conversions. 🎧 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 you’re 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 you’re 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 don’t start with what you do. They start with the transformation your clients want. Fi shows how to look beyond surface-level problems and understand what’s 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 they’re 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.   ________________________________________________________________________ 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.businessIf 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. 

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 – and why your creative is your most important currency.🎧 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 “one size fits all” content is costing you time and money. How copying the same post across Instagram, TikTok, LinkedIn and Pinterest signals you “don’t get” the platform. Platform culture 101: TikTok vs Instagram. The key differences in pace, polish and “native” feel between TikTok and Instagram, and why branding-heavy carousels don’t 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: it’s not just sales). Paid ads as a multiplier, not a magic tap. Why ads can’t 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 “scroll-stopping” 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. Jarrah’s 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 Packed’s 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 “the three-year-old on a skateboard” 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/________________________________________________________________________ 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 DM to @peach.businessIf 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. 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.  ________________________________________________________________________

Why you’re not making enough money — and how to fix it In this episode of Money Secrets, Fi breaks down something that if you’re not making enough money, it usually traces back to one of three things: - your pricing, - your business model, - or your money mindset. And the good news? Every one of these three areas is completely fixable. Drawing on 25 years of experience helping small business owners increase their income, improve profitability, and create businesses that support their life and their impact goals, Fi unpacks exactly why these issues show up and the practical steps you can take today to change it. 🎧 Tune in to learn why so many small business owners undercharge, how your business model shapes your earning capacity, and why your thoughts and beliefs about money directly influence your financial results.    What you'll learn in this episode:  Why most small business owners undercharge: The myth of needing to be “affordable” is holding you back more than you think. How your pricing affects everything: A small price change can have a big impact on your profitability. Why you should raise your prices yearly: Not just for inflation, but because your skills, processes, and client results improve every year. How unclear billable vs. non-billable time leads to underpricing: If you don’t know what your work really costs, you can’t price it properly. What your business model actually is: The structure of your products, customers, value, and revenue streams, and why it's the backbone of your strategy. Why “different” matters more than “better”: Positioning yourself uniquely is more powerful than trying to be the best. How client type influences your pricing: The right clients expect to pay more, and your price is a signal that attracts (or repels) them. Why money mindset affects your income: Your beliefs about money influence almost every decision in your business. How to spot your hidden money beliefs: Your behaviours (discounting, hesitating, undercharging) reveal what you really believe. Why you can change your money psychology: Once you understand your patterns, you can shift them and change your financial results.  Resources mentioned in this episode: FREE: 13 Lessons from 13 Years – Learn the Business Rules to Break FREE: How to Price Your Product or Service Business Model Design Program Join the Good Money Club waitlist ________________________________________________________________________ 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.businessIf 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. 

Stop guessing, start knowing: Kate Toon on money, mistakes & momentum In this episode of Money Secrets, Fi sits down with author, business mentor and digital marketing misfit Kate Toon for a funny, frank, and very real conversation about money, risk, and what success actually looks like over the long haul. From tax debt and fear of being “eaten by cats” in retirement, to hitting seven figures and choosing to scale back for sanity and profit, Kate shares the decisions, mistakes, and mindset shifts that have shaped her business over 16+ years. 🎧 Tune in for a refreshingly honest look at numbers, safety nets, naivety, reinvention and why you should always know (roughly) what’s in your bank account.   What you'll learn in this episode: Know your numbers, know your business: Why Kate believes you should have a rough idea of every bank balance and key monthly expense at all times. From tax debt to clarity: How a painful ATO bill and “end-of-year police” accountant experience pushed her toward Profit First, bookkeepers and daily money dates. Revenue vs profit (and why seven figures isn’t the goal): What happened when Kate crossed $1M in revenue, and why she deliberately chose to earn less but keep more. Minimal Viable Income: How working out “the least I can live on and still feel okay” can make pivots, experiments and downshifting feel safer. Good debt vs bad debt (aka avocado debt): How Kate thinks about mortgages, investment and risk without sliding back into credit-card chaos. Building assets, not just hours: The long game behind her SEO courses, memberships, books and shop, and why most people give up on digital products way too early. Marketing stamina: Why following up more than twice, repeating your offers, and playing the long game matters when it can take years for someone to finally buy. Financial independence after separation: What it took to buy out a partner, hold onto the house, and decide never to outsource money decisions again. Success by ideal day, not by hype: How Kate now defines “enough” as low stress, reasonable profit, variety, and time to float in her beloved backyard pool.   Connect with Kate Toon: LinkedIn: https://www.linkedin.com/in/katetoon/?originalSubdomain=au Web: https://www.katetoon.com/ ________________________________________________________________________ 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.businessIf 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. 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.  ________________________________________________________________________

Manifesting for small business: how clarity + action create real results In this episode of Money Secrets, Fi lifts the veil on a topic that people often misunderstand: manifesting. But instead of the fluffy, magical thinking you might see on Instagram, Fi brings 25 years of real small-business experience and the neuroscience-backed approach that explains why manifesting works, and how to use it strategically.Fi breaks down the difference between wishful thinking and the powerful combination of clarity, intentional thought, and consistent action. Whether you’re manifesting your first $100K year, more confidence, or better business opportunities, this episode shows how to turn your thoughts into movement, and movement into results.🎧 Tune in to explore the science of focus, the power of speaking goals out loud, and why small business owners must pair mindset with action to create the outcomes they want.  What you'll learn in this episode:  Why manifesting does work: Fi explains how manifesting is really a clarity practice + behavioural shift, not a lightning bolt from the universe. The neuroscience behind manifesting: Dr Tara Swart’s work shows that when you repeat a goal often, in your mind, writing, or voice, your brain starts noticing opportunities that were always there (Hello, white Toyota Corolla effect). Why clarity is the true foundation: You cannot manifest what you cannot name. Fi shares why speaking your goals out loud to a trusted person can fast-track clarity. How repeating your goals changes your behaviour: When you keep telling yourself, “I want to make $100K this year,” you show up differently. You market more, network more, back yourself more, and take smarter action. Why community and coaching make manifesting more powerful: Speaking your goals out loud helps create clarity, accountability, and momentum, which is why Good Money Club is built around thinking, planning, and acting together. The importance of mapping out the how: Once you know the goal, the next step is breaking down the actions that get you there, something Fi teaches and supports inside Good Money Club. Free Resources mentioned in this episode: 13 Lessons from 13 Years – Learn the Business Rules to Break How to Price Your Product or Service ________________________________________________________________________ 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.businessIf 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. 

Turning Big Ideas into Reality In this episode of Money Secrets, Fi pulls back the curtain on the biggest project she’s ever brought to life: Ripple Festival. What began as a wild idea over coffee with her business bestie, Mia Fileman, became a full-scale celebration of small business, creativity, and community. Fi shares what it really took to transform an optimistic dream into a two-day festival, from over-programming and sleepless nights to building in public and learning from every misstep. She reflects on the joy, stress, and sheer courage it takes to create something completely new for small business owners who crave more than another predictable conference. If you’re listening in real time, Ripple Festival is happening today and tomorrow, and there’s still time to join us. Tickets are available for both days at ripplefestival.au, and you can grab yours right up until the gates open. 🎧 Tune in to hear what it takes to turn an idea into impact — and how Fi and Mia built a festival that celebrates the heart, diversity, and brilliance of small business.   What you'll learn in this episode:  The story behind Ripple Festival, and how it evolved from a spark of optimism into a full-scale event. What “building in public” really means and how it can build trust, courage, and community. The lessons Fi learned from getting things wrong, and why iteration matters more than perfection. How Ripple’s program was designed to serve established small business owners with purpose and profit in mind. The importance of embedding impact and inclusivity into every stage of business growth. Why creativity and community are the future of small business, not hustle and hype. The emotional reality of leading a large-scale project: pressure, risk, and deep pride. What Fi hopes every attendee takes away from Ripple: clarity, connection, and confidence to do business differently.  ________________________________________________________________________ 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.businessIf 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. 

The $30,000 mindset shift every small business owner needs In this episode of Money Secrets, Fi digs into one of the biggest mindset and strategy gaps in small business: paying yourself properly. If you’ve ever caught yourself working hard but not seeing it reflected in your bank account, this one’s for you.Fi breaks down why obsessing over $30 subscriptions won’t move the needle, and how focusing on $30,000 decisions (the kind that grow revenue and build assets) changes everything. She shares practical advice from the Profit First framework, explains which expenses actually matter, and shows how to make smarter, higher-impact moves in your business.🎧 Tune in to learn how to shift from survival mode to sustainable profit, and finally start paying yourself what you deserve.   What you'll learn in this episode:  Why paying yourself first isn’t selfish, it’s smart business strategy. How Profit First helps you see money clearly by splitting income into multiple accounts for people, profit, expenses, and tax. The 25% rule: why no more than a quarter of your income should go to operating expenses (excluding wages or product). Why reducing costs only takes you so far, and increasing revenue takes you much further. $30 vs $30,000 decisions: how to stop overthinking small costs and start engineering big, strategic wins. What smarter spending looks like: investing in assets that compound, like branding, training, and marketing. The “revenue-first” mindset shift that turns stress into momentum and growth. How to attract premium clients who value your work and pay accordingly. Why long-term thinking (not penny-pinching) is the key to sustainable profit.  ________________________________________________________________________ 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.businessIf 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. 

Profit First, Cashflow Reality, and Trusting Yourself with Money Psst! Ever wondered what it’s really like inside Good Money Club? In this sneak peek episode of Money Secrets, Fi gets real about the thing that breaks (and builds) small businesses: cashflow. If you’ve ever obsessed over cutting costs while quietly avoiding the bigger question: how do I bring in more? this insight to one of our recent club sessions, “How to Manage Your Money” is the perspective shift you need. Fi explains why revenue can be vanity, profit is sanity, and cash (money in the bank) is reality. She shares a practical walk-through of Profit First — the simple system that helps you pay yourself first, reduce stress, and make confident decisions about where every dollar goes. 🎧 Tune in to hear how a few weekly habits, a handful of bank accounts, and a mindset reset can turn “mo’ money, mo’ problems” into clarity, control, and sustainable growth. What you’ll learn in this episode:  Cash ≠ revenue: Why “money in the bank and how it moves” is the metric that matters most. The growth trap: How fast growth (new team, inventory, expansion) creates cashflow crunches, and how to plan for the lag between expenses and income. Self-trust with money: The subtle ways we sabotage revenue (discounting, slow follow-ups) and how to build evidence that you are good with money. Profit First 101: Flip the formula to Income - Profit = Expenses. Use multiple bank accounts (Income, People/Owner’s Pay, Expenses, Tax, Profit). Pay yourself first, then profit, then expenses; the ATO last (allocated weekly). Make temptation harder: Keep profit/tax out of sight (even in a separate bank) if you tend to spend what you see. Enforce a rhythm: Why weekly transfers make the system stick (habits > heroic bursts). Credit cards = muddy water: How available credit blurs your true expense limits and fuels overspend. Toothpaste rule: Use only what’s needed — even when the tube’s full, so you invest intentionally, not impulsively. Slice the pie with percentages: Clear Monday-morning allocations so you always know what you can actually spend. Think bigger than $30 decisions: Spend less time agonising over micro-costs and more time engineering $30k decisions that grow revenue.    ________________________________________________________________________ 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.businessIf 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. 

The most misunderstood resource in small business: Time In this episode of Money Secrets, Fi dives into one of the biggest struggles small business owners face:  time. If you’ve ever said, “I just don’t have time to work on my business,” this one’s for you. Drawing from 25 years of experience working with small business owners, Fi shares why time is not just a resource but the most valuable (and most misunderstood) asset you have. She explains how shifting focus from doing more to doing less, intentionally can create space for clarity, growth, and better financial outcomes. From undercharging and over-servicing to prioritising short-term client work over long-term brand building, Fi unpacks the patterns that keep business owners stuck in survival mode and offers a roadmap to reclaiming your time. 🎧 Tune in to learn how investing time in strategy, mentoring, and self-reflection can free you from the overwhelm, and why doing less might just be the smartest move for your business. What you'll learn in this episode:  Why time is the most valuable (and misunderstood) resource in small business. How investing time in strategy, mentoring, and reflection actually reduces your workload. The financial impact of prioritising client work over your own business growth. How to identify when you’re undercharging or over-servicing, and how to stop. The importance of building boundaries, pricing for value, and working with the right clients. Why talking about your business (in a mastermind, mentoring, or group setting) delivers exponential return on effort. How long-term thinking (not constant hustle) leads to more profit, more freedom, and more impact.  ________________________________________________________________________ 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.businessIf 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. 

Why naivety might just be the secret ingredient to big ideas In this episode of Money Secrets, Fi takes us behind the scenes of Ripple Festival, a two-day event born from an idea over coffee that’s grown into an impact led mission to celebrate small business in a way that feels nothing like a traditional conference. Fi reflects on what it really takes to bring big ideas to life, why naivety is a gift (not a weakness), and how she and co-founder Mia Fileman have navigated the chaos, creativity, and courage that come with building something from scratch. From ethics and branding to programming, partnerships, and paying everyone fairly. Fi shares the messy, meaningful reality of doing business differently. If you’ve ever launched something ambitious and thought, “Wow, this is harder than I imagined,”  this one’s for you. 🎧 Tune in to hear Fi share the real story behind Ripple Festival — the late nights, bold decisions, and beautiful chaos that prove naivety might just be a business superpower.   What you'll learn in this episode:  The power (and purpose) of naivety when starting something new. What it really takes to build a two-day festival from the ground up. How Fi and Mia built Ripple Festival’s ethical framework and stuck to it. The behind-the-scenes of running an event that pays everyone fairly. Why optimism and grit are essential ingredients for small business owners. The importance of building community, not just events. Big ideas always take more time, money, and courage than you think,  but they’re worth it.  ________________________________________________________________________ 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.businessIf 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.  ________________________________________________________________________

Software that is here to actually fit your business, thanks to Rounded. In this episode of Money Secrets, Fi sits down with Grant McCall — founder and Head of Product at Rounded, the beautifully simple accounting and invoicing app built specifically for Australian freelancers and sole traders. From teenage garage coder to UX-led product leader, Grant shares how he turned spreadsheet pain into a purpose-built tool, why words matter as much as code, and what it actually takes to build (and keep improving) software for real humans. 🎧 Tune in for a refreshingly candid look at product, pricing, team, emotions, and the future of simple money tools for sole traders.    What you'll learn in this episode:  From spreadsheets to software: Why the big incumbents weren’t cutting it for sole traders — and how Rounded was designed around money in / money out simplicity. Language > jargon: How UX copy and plain English reduce fear, build confidence, and help non-accountants actually use their numbers. The rise of the sole trader: What Grant’s seeing across the Australian market, and how tech is making independence more accessible. Build the right thing (and say no): The art of choosing features, resisting bloat, and staying laser-focused on one customer: sole traders. Integrations & consolidation: Why subscription fatigue is real — and how Rounded thinks about bringing key workflows under one roof. Remote team, real rhythm: How a fully distributed crew ships product asynchronously across time zones (and keeps customers front and centre). Lessons from 10 years in SaaS: Everything takes longer than you think, tech debt is real, and customer focus is a moat. The human side of founding: Stress happens — why talking it out, naming the problem, and leaning on your team changes everything. What’s next for Rounded: Continuous invoicing improvements, practical additions (think mileage tracking), and smarter data flows that keep things simple at EOFY and BAS time.   Connect with Grant: LinkedIn: https://www.linkedin.com/in/grantmccall/ ________________________________________________________________________ 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.businessIf 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. 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.  ________________________________________________________________________

Making more money starts with managing what you already have. The doors to Good Money Club are open now. In this episode of Money Secrets, Fi shares why learning to manage your money is actually the key to making more of it — and how simple systems like Profit First can transform your confidence, clarity, and pricing. So many small business owners think they need to be making more money before learning how to manage it… but the truth is, learning to manage your money is what unlocks your ability to earn more. 🎧 Tune in for mindset shifts, money management tools, and practical strategies to help you feel confident, calm, and in control of your finances. Want to find out more about Good Money Club? It's designed for female and non-binary business owners ready to make more money and impact. The doors to Good Money Club are open now. It's the last time the program will open this year, and the only way to work with Fi until next year. Join us? What you'll learn in this episode:  Why learning to manage your money is the key to making more — and how fear of money can quietly block your revenue. How the Profit First method works (and why it brings calm and clarity to your finances). The power of using percentages to plan your income — and see instantly if your pricing is sustainable. Separating your money into different bank accounts creates confidence and clarity about where your money goes. How understanding your real take-home pay can help you set brave, sustainable prices. Why building money confidence often starts with simply trusting yourself to manage the money you already have. ________________________________________________________________________ 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.businessIf 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 Problems for Women in Business The doors to Good Money Club are open now. In this episode of Money Secrets, Fi dives into the three biggest money problems she sees female small business owners struggle with every day, and how to overcome them. From the gender revenue gap to low confidence and a total lack of money strategy, Fi unpacks why these challenges exist, and how we can turn them around to build thriving, profitable businesses. If you’ve ever wondered why your revenue isn’t where you want it to be, or felt stuck, overwhelmed, or “bad at money” this episode will help you take your next steps forward. 🎧 Tune in for mindset shifts, confidence-building tools, and practical strategies to grow your revenue and money confidence. Want to find out more about Good Money Club? It's designed for female and non-binary business owners ready to make more money and impact. The doors to Good Money Club are open now. It's the last time the program will open this year, and the only way to work with Fi until next year. Join us?   What you'll learn in this episode:  The gender revenue gap: Why female-owned businesses earn less than male-owned ones, and how chronic undercharging and over-servicing plays a major role. Visibility matters: Why being seen is critical to charging premium prices (and how lack of visibility keeps revenue low). Pricing for value: How to stop undercharging and start pricing based on the value and transformation you deliver. Money confidence: Why so many women lack it, how “bad at maths” beliefs form, and how to rebuild confidence through education and action. Money mindset shifts: Why being socialised to believe money is “bad” is holding you back, and how to see money as a force for good. No money strategy = stuck: How doing too much creates confusion, and why simplifying your offers is the fastest way to get unstuck. How to get strategic: The mindset and actions to move from busywork and fear to clarity, focus, and confidence with your money. ________________________________________________________________________ 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.businessIf 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.  ________________________________________________________________________

How to Transition from Lower to Higher Prices In this episode of Money Secrets, Fi tackles one of the trickiest parts of growing a business: how to increase your prices while managing legacy priced clients. From the fear of losing existing clients to the challenge of attracting premium ones, Fi shares clear strategies for navigating the “messy middle.”  That transition period between what your old clients are paying and what your new ideal clients will happily invest. If you’ve ever wondered how to successfully stop undercharging, this episode is your roadmap. 🎧 Tune in for mindset shifts, pricing strategies, and practical steps to confidently transition from legacy clients to premium clients. Want to find out more about Good Money Club? It's designed for female and non-binary business owners ready to make more money and impact. The doors to Good Money Club open next Mon, 22 Sep. It's the last time the program will open this year, and the only way to work with Fi until next year. Join us?   What you'll learn in this episode:  Why ideal clients aren’t just about budget. They’re about valuing your transformation and outcomes. The marketing shift you need to make when charging premium prices (hint: it’s about clarity and communication). Why legacy clients are harder to move up more than 10–20% a year, and what to do instead. Strategies for managing the transition: small steady increases, bold price rises with notice, or saving three months of expenses as a buffer. How to back yourself through the fear of losing clients, and why letting go of some can actually strengthen your business. Why premium clients will pay more, as long as you can clearly explain and deliver the value. How this transition is less about maths and more about mindset, and the mental gymnastics that business owners need to practice. ________________________________________________________________________ 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.businessIf 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.  ________________________________________________________________________

Setting Goals Isn’t About Predicting the Future In this episode of Money Secrets, Fi Johnston dives into why so many small business owners resist setting goals. And how a simple reframe can turn goal-setting into one of the most powerful tools in your business. From the fear of “what if I don’t hit it?” to the overwhelm of unpredictable, lumpy income, Fi shares why goals aren’t about perfectly predicting the future. They’re about designing the business you want, giving yourself clarity, and creating levers you can actually pull to move forward. If you’ve ever avoided goal-setting because it felt scary or pointless, this episode will change the way you think about it. 🎧 Tune in for mindset shifts, practical strategies, and the truth about why monitoring your progress is where the magic really happens.   What you'll learn in this episode:  Why goals aren’t about prediction, but about designing your future business. How financial roadmaps reduce anxiety and help you feel more in control. The real reason “not hitting the goal” shouldn’t stop you from setting one. Why aiming higher (and missing sometimes) is better than always playing it safe. How to build simple, practical tools for monitoring your progress. Why year-to-date results matter more than one “bad month”. The mindset shift that turns tracking into a strategy, not self-criticism. ________________________________________________________________________ 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.businessIf 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. 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.  ________________________________________________________________________

When Women Talk Money, Everyone Wins In this episode of Money Secrets, Fi sits down with Jen Murnaghan from Digital Dandy to explore the very real shift from 12 years of solo business into a values-aligned employed role — and the money skills that made it possible. From growing up with “we don’t talk about money” to learning to price, negotiate, and back herself, Jen shares how financial literacy, community, and honest reflection changed everything. If you’ve ever wondered whether the grass is greener in employment (or just different), this conversation is a generous, grounded look at seasons, capacity, and choosing better, not bigger.  🎧 Tune in for mindset shifts, practical moves, and learn how Jen proves Fi’s belief that when women share openly in safe spaces, everyone earns more.   What you'll learn in this episode:  Why confidence with money starts with clarity, and how accountants/bookkeepers can remove fear and build good habits. How to put a number next to your (product/ service/ salary) value, from overcoming undercharging to negotiating salary (and even shaping a job title). The power of seasons in business, and why choosing stability doesn’t mean you’ve quit. It means you’re designing for your life. Better, not bigger: how a Company-of-One mindset, plus a trusted contractor bench, can still deliver scale and impact. Why women talking money matters, and how transparent conversations in safe rooms lead to better pricing for everyone. Simple ways to build pricing confidence, including peer benchmarking, researching aligned rates, and giving value “gifts” in pitches. Money habits, like Profit First thinking and planning for tax/super, whether you’re consulting or on a salary.   Connect with Jen: Web: https://www.digitaldandy.com.au/ LinkedIn: https://www.linkedin.com/in/jenmurnaghan ________________________________________________________________________ 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.businessIf 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. 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.  ________________________________________________________________________

 Are you charging enough? The three-part pricing formula you need. Psst! Want to hear a money secret? Almost every female and non-binary business owner I’ve met is underpricing. If you think you might be undercharging, you’re not alone. In this mini Money Secret episode, we’re diving into the three essential elements of pricing that go beyond just the numbers. Pricing isn’t just about picking a number that feels right. It’s about making sure your business is sustainable, profitable, and positioned for long-term success. It’s time to stop playing small and start charging what your work is worth.  Hit play now 🎧   What you'll learn in this episode:   Pricing as mathematics: How much do you want to earn? What are your expenses? What’s your revenue goal? The math matters. Pricing as money psychology: Your personal history with money is shaping the way you price your work, often without you realising it. Pricing as demand creation: People need to want what you’re offering at the price you’re charging. That means positioning, branding, and marketing play a huge role. ________________________________________________________________________ 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.businessIf 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. 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.  ________________________________________________________________________

Why Packaging Your Services Into Offers is a Game-Changer In this episode of Money Secrets, Fi Johnston unpacks the objections many service providers have about packaging their work, and makes the case for why three simple offers can transform the way you do business. From the fear that “every client and project is different” to the overwhelm of custom quoting, Fi shares why bespoke will send you broke, and how creating three clear service packages gives your clients confidence, clarity, and agency while making your business more sustainable. If you’ve ever resisted packaging your services because you thought it would limit your creativity, this episode is here to flip that thinking. Packaging isn’t about taking away your uniqueness. It’s about stepping fully into your expertise and helping clients make safe, empowered decisions. 🎧 Tune in for mindset shifts, practical frameworks, and truths about what packaging can do for both your clients and your business.   What you'll learn in this episode:  Why positioning yourself as the expert means leading clients through a clear process, not waiting for them to decide what they need. How to design three packages that meet client goals without losing the ability to customise. The psychology of three options and why most people will choose the middle one. How transparent pricing reduces client anxiety and helps you attract better leads. Why packaging makes marketing easier, streamlines your systems, and helps you plan capacity. How templates and processes built around your packages save time and reduce overwhelm (especially for neurodivergent business owners). Why packaging your services isn’t just good for your clients, it’s also the smartest way to grow a sustainable 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.businessIf 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. 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.  ________________________________________________________________________

15 Years of Peach: From an olive grove to today It’s part celebration, part business story, and part deep dive into the lessons learned over a 15-year entrepreneurial journey. In this episode, Fi Johnston takes you behind the scenes of Peach Business from its unexpected origin in a windswept olive grove to the businesses, projects, and lessons that have shaped it. Fi shares the path that led her from a small tax practice to a craft brewery, a venture capital firm, and to starting Peach in 2010. You’ll hear about the clients that became long-term collaborators, the side businesses that didn’t make it, and the bold ideas (like Ripple Festival) that continue to keep her inspired. If you’ve ever wondered what 15 years in small business really looks like—the wins, the detours, the hard calls, and the personal costs, this episode is a masterclass in resilience, intentional growth, and building something that lasts. 🎧 Tune in for a mix of business storytelling, hard-earned lessons, and practical takeaways from a decade and a half in the small biz trenches.   What you'll learn in this episode:  Why hitting a 15-year milestone is so rare in small business, and what it really takes to get there, The career steps and pivotal jobs that shaped Fi’s approach to money, business, and leadership, How a chance meeting at Mount Zero Olives sparked the idea (and name) for Peach Business, Why Fi believes in simplifying your business model before adding a second brand, product, or revenue stream, The importance of knowing your capacity, and how overcommitment can quietly sabotage your business, Why some of Fi’s longest client relationships eventually ended by her own suggestion (and why that was the right move), The real impact of running multiple ventures at once, and why focus matters more than “having lots of irons in the fire.” How Good Money Club became the heart of Peach and why members stay beyond their initial commitment, The thinking behind launching Ripple Festival and what it means to merge business and creativity on a large scale, Why “small business never ends” and the importance of building rest, breaks, and boundaries into your calendar, The personal sacrifices that come with a long business journey—and how to protect your mental and physical health along the way.   ________________________________________________________________________ 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.businessIf 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. 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.  ________________________________________________________________________