Making money is not the same as having money (EP#66)
In this episode of Money Secrets, Fi breaks dives into something so many business owners experience: making money is not the same as having money.
Even when revenue is strong, it’s common to still feel stressed, stretched, and unsure where the money is actually going. Fi explains why this happens, especially during busy or growth periods, and shares practical ways to manage your money more intentionally.
From understanding your ideal client to implementing Profit First, creating spaciousness in your day, and addressing scope creep, this episode is packed with tested advice to help you make money, and keep it.
🎧 Tune in to learn how to manage your money while your business and your wellbeing.
The doors to Good Money Club are open right now. You deserve your own Board of Directors, and you'll get that and more inside this community for women business owners.
What you'll learn in this episode:
- Making money is not the same as having money. Bringing in revenue doesn’t guarantee financial stability, how you manage that money is what creates profit and security.
- How to increase revenue by focusing on the right clients. The clients you can do your best work for, and who value it most, are how to make more money with less effort.
- Why business growth can lead to financial stress. Growth periods bring higher revenue, but also more pressure, longer hours, and increased (often unseen) spending.
- How stress and busyness impact your spending habits. When you’re overwhelmed, it’s easy to make quick, reactive decisions that lead to higher expenses and less profit.
- How Profit First helps you manage your money more effectively. Setting clear percentages for profit, pay, and expenses creates structure and helps you keep more of what you earn.
- Why slowing down leads to better financial decisions. Creating space in your day, your schedule, and your thinking helps you move from reactive spending to intentional choices.
- How over-delivering and scope creep affect profitability. Doing more than what clients are paying for can quietly reduce your margins and increase stress.
- The connection between your nervous system and your money. Feeling frantic or overwhelmed can drive spending, learning to regulate yourself is part of managing your finances.
- How to build a business that actually keeps money. With the right systems, pricing, and pace, you can move from just making money to creating real financial stability.
💡 If this conversation resonates and you want hands-on support, you can work with Fi one-on-one or join Good Money Club, where small business owners learn how to make and manage money with clarity, confidence, and impact.
- Good Money Club (doors are open now)
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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 can change the world, but only if we're making money and managing it well.
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Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.business
If you are excited for what’s to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here.
Check out my FREE Pricing Training you need to set your prices for profitability.
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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.
