Money Secrets

What do you really think about money?

If you’ve ever felt like your mindset is holding you back—but you can’t quite put your finger on how—this episode is for you.

In this special edition of Money Secrets, Fi shares a powerful guided exercise originally delivered inside Good Money Club to help members get to the root of their thoughts about money. And now, she’s sharing it with you.

This isn’t about affirmations or quick mindset hacks. It’s about slowing down long enough to actually hear what’s going on inside your head—and learning how those thoughts shape your pricing, decision-making, and ability to grow a business that pays you well.

This one’s a little different, but we think you’ll love it.

🎧 Grab your notebook and tune in for a transformative reflection you can return to again and again.

What is your first thought when you envision the following scenarios: 

These aren’t hypothetical. They’re the real-life moments that quietly shape how we feel about money—and how much of it we allow ourselves to make. Inside this episode, Fi gently guides you through each one so you can name, notice, and shift what’s sitting underneath.

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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 have the power to change the world, and the key to making a bigger impact is to make—and manage—more money.

________________________________________________________________________

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.

Want to find out more about Good Money Club? It's for female and non-binary business owners ready to make more money and impact. Join us?

Check out my FREE Pricing Training you need to set your prices for profitability.

________________________________________________________________________ 

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. 

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Is the economy impacting small business owners? Let’s talk about it.

It’s the question on every founder’s mind—and in this solo episode of Money Secrets, Fi unpacks what she’s seeing across the small business landscape right now.

Drawing on 25+ years of experience and conversations with members inside Good Money Club, Fi explores why the current economic climate is affecting some businesses more than others — and the mindset and strategies that help business owners stay afloat (and thrive) even when conditions change.

This is a conversation grounded in honesty and optimism — a reminder that yes, small business is hard, but there are always actions we can take.

🎧 Tune in to hear practical insights, examples from real businesses, and 10 things you can control — no matter what’s happening in the wider economy.

10 things you can control in your business: 

________________________________________________________________________

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 have the power to change the world, and the key to making a bigger impact is to make—and manage—more money.

________________________________________________________________________

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.

Want to find out more about Good Money Club? It's for female and non-binary business owners ready to make more money and impact. Join us?

Check out my FREE Pricing Training you need to set your prices for profitability.

________________________________________________________________________ 

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. 

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 Your business has an environmental impact — even if you're a service provider. 🌿

This week on Money Secrets, we’re talking about impact — one of our core themes inside Good Money Club — and how our businesses affect the environment.

We often expect product and manufacturing businesses to shoulder the responsibility of sustainability, but service providers? We’re part of the picture too.

In this solo episode, Fi opens a gentle and important conversation about the choices we make in our businesses — from how we deliver our services, to the software we subscribe to, the products we buy, the banks and super funds we use, and the gifts we send to clients.

You don’t need to be a sustainability expert to start making more conscious choices. This is about doing what you can, with what you have — and being willing to ask better questions.

🎧 Tune in to hear practical prompts, real-life examples, and one simple browser switch that could make a world of difference.

What you’ll learn in this episode: 

________________________________________________________________________

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 have the power to change the world, and the key to making a bigger impact is to make—and manage—more money.

________________________________________________________________________

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.

Want to find out more about Good Money Club? It's for female and non-binary business owners ready to make more money and impact. Join us?

Check out my FREE Pricing Training you need to set your prices for profitability.

________________________________________________________________________ 

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. 

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 Working harder won’t make you more money.

If you’ve ever felt like you’re working all the time but still not making the money you want, this episode is for you.

In this week’s episode, Fi gently but firmly challenges one of the most common beliefs small business owners carry: that the only way to make more money is to work even harder (spoiler: it's not).

Instead, we’re talking about what really drives financial growth, understanding your capacity, raising your prices, and improving the quality of your branding, marketing and communication.

This episode has practical insights, honest truths, and a few uncomfortable-but-freeing mindset shifts. If you’ve been on the edge of burnout and wondering if there’s a better way, there is.

🎧 Listen now and start making more money without working even more hours.

What you’ll learn in this episode: 

________________________________________________________________________

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 have the power to change the world, and the key to making a bigger impact is to make—and manage—more money.

________________________________________________________________________

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.

Want to find out more about Good Money Club? It's for female and non-binary business owners ready to make more money and impact. Join us?

Check out my FREE Pricing Training you need to set your prices for profitability.

________________________________________________________________________ 

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. 

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How to make business easier (yes, really).

If you’ve ever felt like you’re working all the time but still not making the money you want — or like you’re constantly justifying your prices to your clients — this episode is for you.

In this week’s episode, Fi is digging into a juicy (and often overlooked) part of business strategy: your business model. Because when you’re feeling stretched, stuck, or unsure whether what you’re doing is “right”, it’s usually not a marketing or mindset problem — it’s a business model problem.

This conversation is filled with practical prompts and tips about building a business that feels clearer, simpler, and way more profitable. No jargon, no pressure — just a warm, strategic reset for how you run your business.

🎧 Hit play if you’re ready to stop spinning your wheels and start building a business that works for you.

P.S. Our Business Model Design Mini-Program is now open, and it’s just $495 until 30 June 2025.
Live training happens on 22 July 2025, and you’ll walk away with: 

✔ A validated business model that’s designed to work
✔ Clarity about where to spend your time, energy, and focus
✔ Products and services your customers actually want
✔ An optimised marketing message that lands with the right people
✔ The confidence to raise your prices and attract better-fit clients
✔ Clear product–market fit for what you offer
✔ A more profitable, sustainable business — built on purpose

What you’ll learn in this episode: 

Your business model holds the answers. From who you serve to how you deliver your offers, a good model helps you confidently charge more, set better boundaries, and stop attracting the wrong clients.

Marketing isn’t the starting point. If you’re unclear on your value or audience, no Instagram strategy or email funnel will fix it — the real work starts under the surface.

Your capacity matters. How many hours you actually have to work (and how much you need to earn) are central to your model, not details to work out later.

You don’t have to do it all yourself. From bookkeepers to brand strategists, your model should include the support you’ll need to grow — and the cost of that support too.

Costs and cash flow are part of the puzzle. Especially for product-based businesses, understanding what it takes to fund your business is key to making it sustainable.

Your business model should be designed around you, not around industry trends, corporate templates, or what others are doing. You get to decide what success looks like — and build a model that supports that vision.

________________________________________________________________________

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 have the power to change the world, and the key to making a bigger impact is to make—and manage—more money.

________________________________________________________________________

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.

Want to find out more about Good Money Club? It's for female and non-binary business owners ready to make more money and impact. Join us?

Check out my FREE Pricing Training you need to set your prices for profitability.

________________________________________________________________________ 

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. 

________________________________________________________________________

 Why your business model should come first

If you’ve ever found yourself obsessing over Instagram strategy, stuck in a Dubsado vs. Moxie spiral, or spending hours automating tasks that don’t seem to be making a difference, this episode is for you.

In this week’s episode, Fi breaks down the real reason some businesses thrive while others stall — and spoiler alert: it’s not about marketing harder or working longer hours. It’s about having the right business model.

Whether the term “business model” makes you think of corporate boardrooms or just feels completely overwhelming, this chat is refreshingly clear and practical. You'll walk away with a whole new perspective on how your business fits together — and how small tweaks can lead to big results.

🎧 Hit play if you’re ready to build a business that’s profitable, sustainable, and aligned with the way you want to work.

P.S. Our Business Model Design Mini-Program is now open, and it’s just $495 until 30 June 2025.
Live training happens on 22 July 2025, and you’ll walk away with: 

✔ A validated business model that’s designed to work
✔ Clarity about where to spend your time, energy, and focus
✔ Products and services your customers actually want
✔ An optimised marketing message that lands with the right people
✔ The confidence to raise your prices and attract better-fit clients
✔ Clear product–market fit for what you offer
✔ A more profitable, sustainable business — built on purpose

What you’ll learn in this episode: 

Your business model is the foundation for everything else. It’s the thing that helps you raise your prices with confidence, stop justifying your worth, and attract clients who value what you do.

Marketing doesn’t work without clarity. If you’re not sure what makes your offer unique, who it’s for, or why it matters, no ad, post, or platform will magically fix that.

Being productive isn’t the same as being strategic. Getting faster at the wrong tasks (or automating things that don’t matter) is just a fast track to burnout, not success.

You are your most important business resource. Your energy, capacity, and well-being are key parts of your business model, not an afterthought.

The right-fit model helps you work smarter. When your model aligns with your strengths, values, and ideal clients, running your business becomes more profitable and easier.

Your business model isn’t corporate — it’s personal. It’s simply the way your business fits together, allowing you to deliver your work in a way that feels sustainable, smart, and financially sound.

________________________________________________________________________

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 have the power to change the world, and the key to making a bigger impact is to make—and manage—more money.

________________________________________________________________________

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.

Want to find out more about Good Money Club? It's for female and non-binary business owners ready to make more money and impact. Join us?

Check out my FREE Pricing Training you need to set your prices for profitability.

________________________________________________________________________ 

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. 

________________________________________________________________________

Feeling like your money mojo needs a reset? We’ve got you.

Psst! If you've been second-guessing your pricing, avoiding your numbers, or wondering if making more money has to feel so hard — this episode is for you.

In this special remix edition of the Money Secrets podcast, Fi shares 8 powerful mindset shifts and practical money truths to help you move forward with clarity and confidence. Think of it as your business pep talk, pricing reset, and permission slip to do things differently — all rolled into one juicy listen.

🎧 Hit play for real talk and refreshingly simple advice that will help you feel more in control of your money (without needing to be a maths person).

What you’ll learn in this episode: 

________________________________________________________________________

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 have the power to change the world, and the key to making a bigger impact is to make—and manage—more money.

________________________________________________________________________

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.

Want to find out more about Good Money Club? It's for female and non-binary business owners ready to make more money and impact. Join us?

Check out my FREE Pricing Training you need to set your prices for profitability.

________________________________________________________________________ 

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. 

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Want to make more money in your business? Start here.

Psst! Ever wondered what it’s really like inside Good Money Club? In this sneak peek episode, Fi shares 20 powerful minutes from one of our recent club sessions — “How to Make More Money” — to help you simplify your thinking, set realistic revenue goals, and start building real momentum in your business.

Whether you're stuck in overthinking, undercharging, or trying to do everything at once, this episode is packed with practical, perspective-shifting advice on what actually works.

🎧 Hit play to get a clear-eyed look at what drives revenue — and how to focus your efforts on what really moves the needle.

What you’ll learn in this episode: 

________________________________________________________________________

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 have the power to change the world, and the key to making a bigger impact is to make—and manage—more money.

________________________________________________________________________

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.

Want to find out more about Good Money Club? It's for female and non-binary business owners ready to make more money and impact. Join us?

Check out my FREE Pricing Training you need to set your prices for profitability.

________________________________________________________________________ 

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. 

________________________________________________________________________

Wondering how to feel more in control of your money as a business owner? Start here.

Psst! Want a quick refresh of the best money advice we’ve shared so far? In this special remix edition of the Money Secrets podcast, Fi pulls together 10 of the most powerful takeaways from past episodes — in one juicy, bite-sized, listen-anywhere episode.

Whether you’re folding laundry, walking the dog, or deep in admin, this is your official business money mood board. No fluff, no overwhelm — just the kind of perspective shifts and practical tips that help you get clear, confident, and in control of your finances.

🎧 Hit play and get a juicy dose of money advice you can actually apply in your small business.

What you’ll learn in this episode: 

________________________________________________________________________

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 have the power to change the world, and the key to making a bigger impact is to make—and manage—more money.

________________________________________________________________________

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.

Want to find out more about Good Money Club? It's for female and non-binary business owners ready to make more money and impact. Join us?

Check out my FREE Pricing Training you need to set your prices for profitability.

________________________________________________________________________ 

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. 

________________________________________________________________________

The surprising link between calm finances and confident business moves.

If you’ve ever felt overwhelmed by the financial side of running a solo business—or like bookkeeping is something you’ll “figure out later”—this episode is for you.

Today on Money Secrets, Fi is joined by Oliver Garside, co-founder of Rounded: the calm, clean, beautifully designed bookkeeping software made just for sole traders. In this episode, they dive deep into what it means to build a sustainable business, why simplicity is a financial superpower, and how Rounded is helping thousands of Australian sole traders take control of their money.

This is one for every sole trader who’s craving ease, confidence, and financial clarity—without the jargon, overwhelm, or tax panic.

🎧 Hit play now—because financial tools should feel as good as the work you do.

________________________________________________________________________

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 have the power to change the world, and the key to making a bigger impact is to make—and manage—more money.

________________________________________________________________________

 Key Learnings from the Interview

Keep It Simple, Make It Beautiful: Rounded was designed to take the stress out of bookkeeping for sole traders, especially creatives. No balance sheets. No jargon. Just what you need, nothing you don’t.

Sole Trader ≠ Small Business: Olly breaks down the key differences between sole traders and companies—and why most traditional platforms just don’t work for solo operators.

Structure Supports Success: Having a clean, straightforward setup (hello, business bank account!) can be the difference between flying blind and leading with confidence.

Bookkeeping Impacts More Than Business: If you want to apply for a mortgage or grow your wealth, being able to speak confidently about your business finances matters—a lot.

Financial Viability Is a Justice Issue: When 25% of sole traders are making less than $50k, we need systems that support success. Rounded is part of the solution.

You Deserve Calm, Not Chaos: Rounded helps you track time, send invoices, get paid, and prep for tax time—all in a way that feels spacious, not stressful.
 

Connect with Olly and Rounded:

Find out more about Rounded: https://linktr.ee/roundedaccounting

Web: https://rounded.com.au/

LinkedIn: https://www.linkedin.com/in/olivergarside/

 ________________________________________________________________________

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.

Want to find out more about Good Money Club? It's for female and non-binary business owners ready to make more money and impact. Join us?

Or check out the Peach Business website here to find out more about Fi.

 Check out my FREE Pricing Training you need to set your prices for profitability.

________________________________________________________________________

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.

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