Rachel hit $480K revenue last financial year. She should be excited. She's terrified.

Because this has happened before. Three times.

The pattern: business grows. Momentum builds. She approaches $500K. Then something detonates. A key client leaves. A major project falls apart. She makes a decision ...

Michael is an engineer. Consults to mining companies. His work has saved clients millions. Literally millions. He has the spreadsheets to prove it.

He charges $180 an hour. Has for six years. Hasn't moved it.

His competitors charge $350. Some charge $500. They have less experience. Worse track rec...

Daniel's wife thought he'd finally rest. Travel. Be present. Maybe coach his son's footy team on Saturdays instead of talking about it.

He lasted four months.

By month five he was restless. By month six he'd signed a lease on an office. New venture. New stress. Same pattern.

He told everyone he w...

Linda runs a marketing agency in Melbourne. Six staff. Decent client list. Margins that would make most small business owners jealous.

Linda paid herself $47,000 last year. Two of her employees earned more than she did.

There's always a reason. The new software. Staff training. That contractor inv...

James is a financial planner. Fifteen years. Solid client base. People trust him with their life savings and he takes that seriously.

His advice is good. His clients' portfolios perform well. He sleeps fine about their money.

His own portfolio? Conservative to the point of cowardice. Returns that ...

Richard runs a trades business on the Gold Coast. Good revenue. Strong pipeline. The kind of reputation that means work comes to him.

He's also lost three solid employees in eleven months. The good ones. The ones he actually needed.

He blames the labour market. Kids today. Nobody wants to work. No...

David's been investing in residential property for twelve years. Done well. Knows the game. Has a good eye.

There's a commercial opportunity now. Better yields. Better tenants. Longer leases. A clear step up.

He's run the numbers. Twice. Had his accountant run them. Spoken to three people already ...

Marcus has a solid accounting practice. Twelve staff. Good reputation. Clients who've been with him for years.

He also works 55-hour weeks. Hasn't had a proper holiday since 2021. His wife has stopped asking when things will ease up because the answer is always "soon."

If Marcus gets sick, the bus...

Sarah has fifteen years of experience. Degree. Client list that took a decade to build. Results she can point to.

The woman who graduated last year charges more than Sarah does.

Sarah knows this. It bothers her. But not enough to change it.

She'll tell you she's being fair. Competitive. Realistic...

Tom's been looking at a development in Brisbane. The numbers are solid. He knows it. His accountant told him to move.

He's been "thinking about it" for nine months.

Tom thinks he's being careful. Doing due diligence. Being smart.

He's not.

Both of Tom's parents died before he was seven. That kin...