The Money Play — The O8
You built a business that pays everyone but you.
Not because you're bad with money. Because nobody teaches this part — and you've been too busy being excellent at everything else to notice the gap.
Done for you. System built. Numbers watched. Report delivered. You follow the instructions.
THE PROBLEM
The money came in.
You watched it leave.
Nothing left. Again.
You're not failing. Revenue's solid. The work is going out. Clients are paying — most of them, eventually.
But every month the same thing happens. The money arrives and the queue forms. Suppliers. Team. Tax. Rent. Software. Contractors. And somewhere at the back of that queue — so far back you can barely see them — is you.
By the time the queue clears there's nothing left. Not nothing as in not much. Nothing as in you open the account and the number confirms what you already knew. And you don't even know exactly why. The month felt busy. The invoices went out. The revenue looked right.
You've tried to solve this. More clients. More revenue. More hustle. You're better at this than almost anyone you know.The queue just gets more expensive.
Your bank balance is lying to you. It shows you what's there — not what's committed, not what's due Friday, not what's already been promised to leave.
You're last in line. Not because you did anything wrong. Because nobody teaches this part. Not in business school. Not from your accountant. Not anywhere.
You built the whole business without it — and you built it well.
You just built it with a gap nobody told you was there.
That's not a character flaw. It's a structural problem. And structure can be fixed.
SOUND FAMILIAR
You haven't told anyone.
Not really.
Not what's actually happening. Not the number. Not what it feels like at 2am when the maths still doesn't work no matter how many times you run it.
You tap the card and don't look at the machine.
You already know it might not go through.
You've written the supplier email three times and deleted it.
You need to call. You're overdue. You keep not doing it.
Your partner mentions a holiday somewhere you loved.
And you feel that specific drop — not because you don't want to go, but because you don't know how to explain everything you haven't explained yet.
Friday is payroll. It's Tuesday and you are worried already.
You haven't slept properly since Saturday.
None of this is in the profit and loss. These are the real costs of a business without a financial system. Not just the money. The weight of not knowing. The performance of fine when you're not.
You haven't told anyone because you don't know how to explain something you were never taught.
You don't have to understand it. That's our job. You just need it fixed.
THE REAL COST
What this is actually costing you.
Not in feelings. In money.
Every month you stay in the queue, you're funding the gap from somewhere. Credit card. Line of credit. The bonus you told yourself you'd take when things settled.
The tax bill is building whether you're watching it or not. The leave liabilities are accumulating. The slow-paying client is training themselves that late is fine because nothing changes. And you're making decisions — about hiring, pricing, investment — from a bank balance that doesn't tell you the truth.
That's not a bad month. That's the system. And the system doesn't fix itself.
OPTION
COST
REALITY
FRACTIONAL CFO
Do it yourself
Keep doing nothing
$3K-$15K/MO
Free + Time
$0 now
Senior financial leadership. Excellent — if you need that level.
Requires the knowledge, the discipline, and the hours. Most business owners have none of the three.
Costs you in sleep, bad decisions, tax surprises, and the pay you've earned but keep not taking.
The MONEY PLAY - RUN IT
From $147 /week
Done for you. System built. Numbers watched. Report delivered. You follow the instructions.
Here's How We Know This Works
We asked the same question.
Where is the money?
In the early years of our business we were successful. Our accountant told us so every year. Sit down, here are your numbers, you've done well.
And we'd walk out feeling good. Until I sat there one year and thought — that's great. But where is the money. Because it isn't in the bank.
I got fed up with year after year of being told we'd done well — while staring at a bank account that didn't agree. So I started asking. And the answer came back in accountant speak — here are all the places it's tied up. All the bottlenecks between us and what we'd actually earned.
That was enough. We deserved that money. Not the bottlenecks. So the system was born — turning business information into cash in the bank. Not through more revenue. Through knowing what to do with the money that was already coming in.
We never sweat a tax bill. We never worry about whether we'll make payroll. We know what to look at and we know when to look. It became so natural that we didn't realise for years it wasn't natural for everyone else.
Steph came from banking — sharp eye, money brain, the same instinct for what the numbers are actually saying. Corporate banking wasn't for her the way accounting wasn't for Sam. But this — watching money move through a business and knowing exactly what it means — this is what we're built for.
Which is why we started doing it for other people.
— Sam & Steph, Co-founders, The O8
THE FIX
The Money Play.
Three components.
Working together.
A done-for-you financial system built specifically for business owners like you. Not accountants. Not CFOs. Business owners who were never taught this part and are tired of carrying it alone. You don't beed to become a finance person. You need a system that runs without you having to be one.
We take your numbers. We build the system. We run it for you. Every cycle your report lands with your allocation instructions and specific action steps. You follow them. That's it.
01 - CASH SPLIT
Every dollar allocated before you touch it.
Tax. Profit. Operations. Leave provisions. All of it. Separated, protected, and accounted for the moment it lands. You never look at your balance and wonder what's actually yours again.
02 - CASH FLOW
You see what's coming before it arrives.
Not historical data — real, forward-looking visibility. What's due in the next 30, 60, 90 days. When debtors are paying too slowly, we flag it. When payroll is going to be tight two Fridays from now, you know on a Monday.
03 - CASH PLAN
The number you need. Off the top of your head.
The bare minimum your business needs to generate every single month. That number becomes your north star. Every hire, every investment, every pricing decision — you know whether it works before you commit.
These three things working together mean you stop wondering.
You start knowing.
WHAT CHANGES
What changes when
you know.
-
You stop checking your balance at 2am.
The number actually means something. You know what's yours, what's committed, and what you actually have to work with.
-
Tax stops being a surprise.
It's a percentage of every dollar you earn. You treat it that way from day one. When the bill arrives it's already there, waiting. Feel ready for it, not surprised by it.
-
You make decisions from data, not fear.
A client delays payment. A slow month hits. You have runway. You have visibility. You choose your response instead of being forced into one.
-
You pay yourself first, not last.
Not from what's left. Your pay is allocated before anyone else gets paid — because you built this, and you go first.
-
The ambush never comes.
Leave liabilities. Shutdown periods. The unexpected. We provision for all of it. The ambush requires the element of surprise. We take that away.
-
The P&L balance stops lying to you.
You know the real number. What's there, what's committed, what's actually yours. Every decision from here is made with the full picture.
THE PROCESS
How this works.
You send us your P&L for the last 12 months.
We handle everything else.
We build your system.
Cash Split allocation model. Cash Flow tracking. Cash Plan. Your actual numbers, in a system built specifically for your business.
Then we run it.
On your cadence — weekly or fortnightly, — you send your updated figures. We run the numbers and deliver your Money Play Report. Allocation instructions. Cash position. Specific action steps for this cycle.
You don't touch a spreadsheet. You follow the report.
THE HONEST ANSWER
You already have a bookkeeper/accountant.
Why do you need this too?
Good question. Here's the honest answer.
Your bookkeeper records what happened. They reconcile last month. They keep your books clean. That's their job and they're good at it.
Your accountant files what happened. They minimise your tax. They keep you compliant. That's their job and they're good at it too.
Neither of them tells you what to do with your money before Friday.
Neither of them calls you on a Tuesday to say your debtor days have blown out and you need to chase three invoices before payroll runs. Neither of them watches your runway and flags when it's tightening.
They work with the past. We work with what's happening right now and what's coming next. That's not a criticism of your accountant. It's a different job.
WHO
WORKS WITH
THE O8
Bookkeeper
Accountant
The O8
The past
The past
Right now
-
-
What's next
Keep your bookkeeper. Keep your accountant. They handle the past. We handle right now and what's coming. Different job. No conflict.
PRICING
The Money Play.
Choose your cadence.
Each option includes Setup — the full system build. Your first payment covers Setup plus your first Run It cycle. Then you just pay for your weekly or fortnightly cycle from there for as long as you need us. (We recommend a minimum of 90 days).
most popular
weekly
$1147
Setup + first week
then $147 / week from day 7
A 30 minute Setup call with Sam or Steph so you know exactly what you need to do each week.
Full system built — Cash Split, Cash Flow, Cash Plan
Weekly Money Play Report — allocation instructions, cash position, Cash Plan performance
Specific action steps every cycle — as many as your numbers call for
Emergency support call — book it when something in your report needs a conversation. So you know there's a person behind the numbers, not just an inbox.
fortnightly
$1194
Setup + first fortnight
then $197/ fortnight from day 14
A 30 minute Setup call with Sam or Steph so you know exactly what you need to do each fortnight.
Full system built — Cash Split, Cash Flow, Cash Plan
Fortnightly Money Play Report — allocation instructions, cash position, Cash Plan performance
Specific action steps every cycle — as many as your numbers call for
Emergency support call — book it when something in your report needs a conversation. So you know there's a person behind the numbers, not just an inbox.
No lock-in. No drama. You can cancel any time — but we strongly recommend 90 days. That's how long it takes to feel a new financial rhythm in your bones.
QUESTIONS
More Details.
Do I need an accounting background?
No. This is built for business owners, not accountants. If you can read a P&L, you can use this. If you can't, your report will show you what you need to know.
How long does Setup take?
You will need about an hour to get Setup. Then full system build takes us a few days. From there, you're in.
What do I need to send for Run It?
An updated P&L and your account balance. On your cycle. We do everything else.
Do I get access to the system you build?
You get the report — specific, current, and actionable every cycle. The system behind it is our internal tool, the same way your mechanic doesn't hand you the diagnostic equipment. You get the result, not the machinery.
What if my business is seasonal?
We account for that. Your Cash Plan is built from your actual data including seasonal fluctuations. The system holds through slow months and strong ones.
Can I do this myself?
You could. But you haven't. And when life gets busy, you won't. This is done-for-you so the system actually runs — every single cycle, whether or not you have bandwidth to think about it.
What if I already have a bookkeeper or accountant?
Keep them. They handle the past. We handle right now and what's coming. Different job. No conflict.
What's the emergency call for?
It's there when your report raises something that needs a conversation. A number that doesn't look right. A decision you need to think through out loud. Book it when you need it. It's there so you know you're not just dealing with someone at the other end of an email inbox.
Can I cancel?
Yes. Any time after your first payment. No refund on payments already made — the work is already delivered. No cancellation fee. No hard feelings. But we highly recommend you give yourself 90 days to get into this new financial rhythm.
What if I'm not ready yet?
Then this isn't for you right now. Come back when it is. We'll be here. But if money worries you, if you are struggling - those are your 'I'm ready' signals. We help you get things sorted out - If your money feels like a mess right now - that's not a reason to wait. That's exactly why you start now.
ONE MORE THING
You've known something was wrong for a while.
Probably longer than you'd admit.
Every month you've managed it. Every month the queue formed and you paid everyone else and dealt with whatever was left. You told yourself it would settle down.
It didn't.
That's not a bad month. That's the system. And the system doesn't fix itself.
You didn't build this business to end every month staring at the dregs. The order can be rewritten. You can be first in line in your own business.
You just need someone to run it.
The O8
Systems scale. Chaos collapses.
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