💸 Why Earning $3.8 Million Still Leaves Australian Business Owners Feeling Broke And the One Small Habit That Can Change Everything

If you’re earning solid revenue but still wondering “Where is all the money going?” you’re not alone.

The average full-time Australian earns over $95,000 a year. Multiply that across a 40-year career, and we’re talking about $3.8 million flowing through your hands.

So why do so many business owners feel financially stuck?

Why are high-earning entrepreneurs still up at night, anxious about bills, tax time, or taking a simple holiday without guilt?

Here’s what most financial advisors won’t tell you:

👉 It’s not about how much you make.

👉 It’s about what you do the moment money hits your account.

💡 The Mindset Shift: You don’t need to earn more to build wealth

If you’ve ever told yourself:

“I’ll get better with money once I make more.”

I hear you.

But the truth is more money doesn’t fix broken money habits.

It just makes them more expensive.

In fact, what I’ve seen time and again (after mentoring hundreds of business owners), is that the real transformation happens when you stop chasing more… and start creating structure.

You don’t need to be rich to start acting like someone who values their money.

You just need one tiny shift: separation.

🚀 The First Step: Create a “DREAMS” Account or call it anything that will make sense to you 😉

This week, I’m inviting you to try something simple something I’ve used in my own business since day one:

✅ Open a brand-new bank account

✅ Name it: DREAMS

✅ Move just 1% of your income into it

That’s $10 if you make $1,000.

$25 if you earn $2,500.

Even $3 counts.

This account isn’t for bills. It’s not for guilt. It’s for you and your future.

Your dreams. Your breathing space. Your “why.”

🧠 Why This Works

This one move…

• Builds a habit of paying yourself without pain

• Creates separation, which leads to clarity

• Shifts you from hustle-mode to ownership-mode

• Reminds you that you are allowed to prioritise yourself even when business feels tight.

It may feel small. But it’s the first crack in the dam.

This is how we build true financial independence one habit at a time.

🧮 Big Picture: What if you intentionally managed just 5% of your lifetime income?

That’s nearly $190,000 tucked away over a working life.

Without a major raise. Without spreadsheets. Without giving up your morning coffee.

The secret isn’t to hustle harder.

It’s to get clear, get structured, and give every dollar a job.

💬 Final Thought

You’re not behind.

You’re not too late.

You don’t need to be rich to build wealth.

What you need is a system that works even when cash flow is unpredictable.

If you’d like help building that structure (without the stress), schedule a call:

👉 https://calendly.com/najma/15-minute-cash-flow-clarity-call

Let’s get your blueprint to finally pay yourself first

You deserve to feel financially supported by the business you’ve worked so hard to build.

Let’s get started.

— Najma 💛