This episode of Wealth Coffee Chats gets real about the dark side of business ownership—and what to do when financial stress starts to creep in. From late ATO lodgements to unpaid wages and director penalty notices, Daniel McPherson breaks down the early warning signs and tactical steps to prevent business collapse. Learn how to forecast cash flow, manage crisis-mode finance, and protect your personal assets with smart structures. If you’ve ever felt overwhelmed by business debt or sleepless over bills, this one’s for you.