Got cash sat in your business? Don’t let it gather dust. In this episode, Steph “The Property Teacher” joins me as guest & co-host to break down how founders can deploy profits into residential property safely, sensibly, and without wrecking your week. We cover strategy, area, property, the £30-£50k reality for a first BTL, and how to avoid the horror-story pitfalls (auctions, agents, and bad sourcing).Takeaways🧭 Start with strategy, then pick area, then the property💸 Cashflow + capital growth beats shiny liabilities🧑‍💼 Get a property-savvy accountant before you buy🧱 Avoid auction traps: due diligence first, emotion second📈 Don’t obsess over yield alone ROI & time-to-money-back matter

Where to find Steph + wrap-upGuest / ResourcesSteph “The Property Teacher”: Instagram & Facebook (search “Steph the Property Teacher”), LinkedIn (same), property-school.com

My links & show hub below 👇Links:

📺 Watch on YouTube (channel): https://www.youtube.com/@BritishBusinessPodcast

🌐 Follow Matt:

https://linktr.ee/mrmattholland

🌐 Follow Tom:

https://www.linkedin.com/in/tom-mcilvenny-b15b9555/

🎙 Morgan / Podcast Studio: https://cheshirepodcaststudio.com

Ever thought about leaving your job to build a property empire? Steph, aka The Property Teacher, went from English teacher to owning 17 properties in just a few years. This episode is full of brutal honesty about education, property investing, and why most “property coaches” are blagging it.

What you’ll learn in this episode:

📚 Why Steph left teaching after 13 years

🏘 How she built a 17-property portfolio

💸 When to sell, when to hold in property

🚨 The dark side of property education & “fake coaches"

🧠 How neurodiversity shapes learning & business success

🔗 Links:

🎧 Listen on Spotifyhttps://open.spotify.com/show/4uqUUHLdho0f9o3hc0WjLZ

📺 Watch on YouTubehttps://www.youtube.com/@BritishBusinessPodcast

🌐 Follow Matt

https://linktr.ee/mrmattholland

🌐 Follow Tom

https://www.linkedin.com/in/tom-mcilvenny-b15b9555/

🎙 Cheshire Podcast Studio

https://cheshirepodcaststudio.com

Small business owners this is your wake-up call. AI is reshaping everything: Google, SEO, ads, and how customers discover your brand. In this episode, Matt sits down with James Starky (Black Lab Digital) to unpack how businesses must adapt or get left behind. From ChatGPT agent mode to SEO strategy, this is essential listening.🔑 Key Points:🧠 AI will drastically change Google search and visibility⚙️ Small businesses must start using AI now here’s how📉 Zero-click searches are killing organic traffic🚀 ChatGPT’s agent mode is an automation game-changer💡 Real examples from SEO, retail, and content creation📍 Chapters:00:00 Intro & James Starky’s Return01:03 Why Small Businesses Must Stay Digitally Relevant02:24 AI vs. High Street Retail: A Warning from Arcadia03:30 Search Engine Disruption Explained05:45 Zero-Click Results & The Death of Traffic07:10 How AI Recommends Products (Real Example)08:40 Digital Ad Spend Hits £35 Billion10:30 Why Nike Pulled Ads and What That Means for You12:25 Using AI for Email, SOPs & Automation16:30 ChatGPT Agent Mode: What You Need to Know18:20 Workspace Wars: Gemini vs. 36522:00 AI Projects, Personalisation & Internal Knowledge26:00 Final Thoughts & AI Challenge for Business Owners27:00 Is AI-Generated Content Cheating?28:50 Wrap-up & Where to Find James🔗 Creator Links:🎧 Listen on Spotifyhttps://open.spotify.com/show/4uqUUHL0KUZL2m9dLx9JvO📺 Watch on YouTubehttps://www.youtube.com/@BritishBusinessPodcast🌐 Follow Matthttps://linktr.ee/mrmattholland👨‍💻 Follow Tomhttps://www.linkedin.com/in/tom-mcilvenny-b15b9555/🎙️ Morgan / Podcast Studiohttps://cheshirepodcaststudio.com

You pour your heart into building a business, but what happens when the early days are freezing cold (literally), your first hire doesn’t work out, and the rules of the game keep changing?This week, Matt sits down with James Starky, founder of Black Lab Digital, to talk about leaving a safe job, starting in his parents’ barn, the lessons learned from that first hire, and why saying “no” can be your biggest business win.🔑 What You’ll Learn in This Episode🏠 How James went from working in a freezing barn to running a 7-person agency💼 The reality of hiring your first employee (and letting them go)📈 Building a scalable agency without losing culture🛑 Why saying “no” can make you more money than saying “yes”🤖 Future-proofing your business in the age of AI🕒 Chapters0:00 Introduction & What to Expect1:02 From Agency Life to Barn Office Beginnings3:36 Early Challenges & First Clients7:00 Where the Entrepreneurial Spark Came From10:30 The Reality of Scaling a Marketing Agency17:04 Knowing Your Limits & Saying “No”21:10 Building the Right Team Culture27:31 Biggest Challenges Facing Black Lab Digital Today31:22 Goals for the Next 12 Months & Beyond35:01 How to Connect With James Starky👉 Like, comment, and subscribe for more honest founder stories!🎧 Listen on Spotify:https://open.spotify.com/show/4uqUUHL0KUZL2m9dLx9JvO📺 Watch on YouTube:https://www.youtube.com/@BritishBusinessPodcast🙋‍♂️Matt:https://linktr.ee/mrmattholland🧔Tom:https://www.linkedin.com/in/tom-mcilvenny-b15b9555/🎙️Morgan ( Studio Owner ) :https://cheshirepodcaststudio.com💡 Key Takeaway:Hiring is hard, culture is fragile, and growth takes discipline. The founders who win are those who know when to push forward and when to say no.

Last week we explored how AI could change the way we work forever. This week Matt and Tom take aim at something more immediate the UK’s looming October Budget and a tax system that’s choking small business.From VAT cliffs to capital gains, employer NI to inheritance tax, what happens when government spending rises… and entrepreneurs are the ones footing the bill? Is this how we grow a country or how we kill the spirit that builds it?🎯 Top 5 Takeaways📈 37.7% Tax Take Is Unsustainable. Highest since WW2 and entrepreneurs are paying for it.💷 NI Hikes and Threshold Cuts Are Job Killers. Businesses are penalised for hiring.🚫 The £85k VAT Cliff Freezes Growth. Founders stop scaling to dodge the tax trap.🧾 Capital Gains, Dividends and Inheritance Are Next. These taxes disincentivise long-term building.🧠 The Real Fix Is Simpler. Slash waste, reward risk, and let builders build.⏱️ Chapters00:00 Intro – Why this episode (and why Matt’s fuming)03:28 The “highest since WW2” tax take (37.7% of GDP)06:45 Employer NI up to 15% and threshold slashed09:56 VAT on private schools and childcare — who really pays?11:06 The £85k VAT cliff that freezes small biz growth14:53 CGT to 18%, IHT freeze to 2030, business shares hit19:34 Rumoured Round 2 dividend scrap? wealth tax?23:40 Business rates, EV charges and crypto clampdowns27:22 Has it ever been this bad for entrepreneurs?31:44 Our fixes cut waste, reward productivity, stabilise policy34:35 Your turn which tax would you scrap first?💡 Key TakeawayBritain can’t tax its way to growth. If we want real innovation, jobs, and economic resilience, we need to empower the people who create value not punish them for trying.🎧 Listen on Spotifyhttps://open.spotify.com/show/4uqUUHL0KUZL2m9dLx9JvO📺 Watch on YouTubehttps://www.youtube.com/@BritishBusinessPodcast🌐 Follow Matthttps://linktr.ee/mrmattholland👨‍💻 Follow Tomhttps://www.linkedin.com/in/tom-mcilvenny-b15b9555/🎙️ Cheshire Podcast Studio (Morgan)https://cheshirepodcaststudio.com💬 Question for YouIf you could scrap one tax or threshold change to help businesses grow what would it be, and what would you fund instead?Let us know in the comments.

Last week we explored how AI is transforming small business. This week Matt, Tom, and Morgan take things much deeper into the social, political, and ethical fallout of AI taking over... everything.From farming to finance, coding to customer service, what happens when machines outperform humans at almost everything? Is this the end of work as we know it, or the start of something else entirely?🎯 Top 5 Takeaways🤖 Most Jobs Will Go. Oxford says 35% will be “affected” but the lads think that’s a wild underestimate.💷 Universal Basic Income Might Be Inevitable. If half the country’s out of work, how do we support society?🧠 Vocational Careers Are on the Line. Coding, customer service, even warehouse packing AI’s coming for them all.🌱 Self-Sufficiency Will Make a Comeback. As tech advances, old skills like growing food and making fire might save us.🧒 Your Kids Need Different Skills Now. Creativity, critical thinking, adaptability. The robots can’t do that (yet).⏱️ Chapters00:00 Intro - AI isn’t coming... it’s already here03:00 Oxford's "35%" prediction too low?06:00 Which jobs are actually at risk?11:30 AI vs agriculture and what farmers lose16:45 Coding, dev teams and the collapse of junior roles22:00 Customer service bots and AI-human mimicry27:30 Universal Basic Income inevitable or impossible?31:00 Will taxes explode to support society?36:00 What should your kids learn in a post-AI world?42:00 How we define success when work disappears47:00 Will AI create super-rich elites and mass unemployment?52:00 Could AI collapse capitalism itself?55:30 The rise of the creator vs consumer divide59:00 The dangers of forgetting how to survive1:03:00 Final thoughts – adaptability beats anxiety💡 Key TakeawayAI isn’t just changing your business it could change everything about how we live. But with the right mindset, there’s still room to lead, create, and thrive.🎧 Listen on Spotifyhttps://open.spotify.com/show/4uqUUHL0KUZL2m9dLx9JvO📺 Watch on YouTubehttps://www.youtube.com/@BritishBusinessPodcast🌐 Follow Matthttps://linktr.ee/mrmattholland👨‍💻 Follow Tomhttps://www.linkedin.com/in/tom-mcilvenny-b15b9555/🎙️ Cheshire Podcast Studio (Morgan)https://cheshirepodcaststudio.com💬 Question for YouIf AI replaced your job tomorrow… what would you do next? Build something? Grow your own food? Start a movement?Let us know in the comments.

Would you trust AI to run your business? Could you spot an AI-written product description, or would you even care?This week, Matt, Tom, and Morgan swap war stories (and a few hate comments) for a deep dive into the AI revolution changing British business right now, not five years from now. From customer service bots to data-driven decisions, we unpack how UK companies are using AI (and sometimes missing a trick), what’s just hype, and what you need to know to stay ahead.Expect real-life examples from the trenches, honest chat about the human side of tech (is it really “robotic” if you can’t tell?), and plenty of tips on using AI for everything from sharper emails to strategic analysis even if you’re not a techie.🔑 What You’ll Learn in This Episode🤖 The truth about how British businesses are (and aren’t) using AI right now📈 AI for real-world problem-solving: stock analysis, cashflow, customer service, and more🧑‍💻 How to blend human judgement with machine intelligence (and when NOT to trust the robot)🇬🇧 Surprising UK stats: why we’re punching above our weight in global AI investment✉️ Why even dyslexics are using AI to sharpen up business emails🏃 Running competitions, tax loopholes, and TrustPilot rants what does AI not touch?🧠 Are we all about to be replaced? The real opportunities (and threats) of the AI era💡 How to future-proof your business and yourself in an age of exponential change🕒 Chapters0:00 Intro & why you should leave us a hate comment3:00 Life updates, running challenges, and British small business stories6:05 British Business Fact of the Week: UK’s AI investment boom8:04 How Matt, Tom, and Morgan actually use AI in their companies (warts and all)16:00 Data, cashflow, and letting AI spot the anomalies21:00 Are British businesses ahead, behind, or just confused?25:00 AI and customer service: Would you know if it’s a bot?29:00 Could AI be your business mentor (or Chancellor of the Exchequer)?33:00 Is it even possible to future-proof your job anymore?36:00 Closing thoughts, wild predictions, and a challenge for listeners🎧 Listen on Spotify:https://open.spotify.com/show/4uqUUHL0KUZL2m9dLx9JvO📺 Watch on YouTube:https://www.youtube.com/@BritishBusinessPodcastMatt:Linktree - https://linktr.ee/mrmatthollandTom:LinkedIn - https://www.linkedin.com/in/tom-mcilvenny-b15b9555/Morgan:Podcast Studio - https://cheshirepodcaststudio.com💡 Key Takeaway:If you don’t embrace AI, your competition will. The winners? Those who keep adapting—one human judgment call at a time.Question for You:Would you let AI run your business if it did 80% as well as you? Why or why not? Drop your answer in the comments!#BritishBusiness #AIinBusiness #Automation #UKBusiness #Entrepreneurship #SmallBusiness #ChatGPT #BusinessPodcast #FutureofWork #Leadership

You pour your heart into building a business then a war breaks out, borders close, and your entire team is scattered. Would you risk it all and rebuild?This week, Matt and Tom sit down with Paul from MageCloud, a Ukrainian founder who built a seven-figure agency from scratch, then had to start again when everything changed overnight.From hustling fruit in Siberia to navigating UK visas, Silicon Valley failures, and wartime pivots, Paul’s journey is a real-life playbook for resilience, reinvention, and growth.🔑 What You’ll Learn in This Episode🇺🇦 How Paul survived post-Soviet hardship and learned to hustle from age 10💻 From developer to agency owner: the wild journey behind MageCloud🏃‍♂️ Why founders must own their mistakes and pivot quickly when the world changes🌍 How to build and manage cross-border teams (and why Ukrainian devs are different)🚀 What it’s really like to lose $100k chasing the Silicon Valley dream🧠 Why AI disruption forced a full business pivot and how to future proof your agency👨‍👩‍👧‍👦 The raw reality of moving your family to safety while leading a business💡 Real lessons in resilience, leadership, and not letting setbacks define you🕒 Chapters0:00 Introduction & What to Expect0:45 Paul’s Wild Entrepreneurial Origins2:35 Selling Fruit, Surviving in Soviet Times4:00 Hustling in School & Early Businesses7:00 From Ukraine to the UK: The Big Move10:30 Building MageCloud (and Early Failures)14:40 Silicon Valley Dream And $100k Lost17:30 Surviving War & Rebuilding the Team20:30 Pivoting the Business: Agency vs Product22:55 Managing Teams in Ukraine & the UK25:30 The Family Story: Moving Amidst War28:00 Real Lessons in Resilience & Ownership30:45 The Role of Luck (and Why It’s Overrated)33:10 Future-Proofing Against AI Threats36:00 Key Takeaways & Final Thoughts37:35 Where to Find Paul, Matt & TomWhere to Find Us & Key Links🎧 Listen on Spotify:https://open.spotify.com/show/4uqUUHL0KUZL2m9dLx9JvO📺 Watch on YouTube:https://www.youtube.com/@BritishBusinessPodcastPaul / MageCloud:Website - https://magecloud.agencyLinkedIn - https://www.linkedin.com/company/magecloud/Matt:Linktree - https://linktr.ee/mrmatthollandTom:LinkedIn - https://www.linkedin.com/in/tom-mcilvenny-b15b9555/Podcast studio - https://cheshirepodcaststudio.com💡 Key Takeaway:Setbacks are inevitable. The founders who win are those who take full ownership, adapt fast, and keep building no matter what the world throws at them.What’s the hardest business pivot you’ve made and what did you learn? Drop your story in the comments!#BritishBusiness #FounderLife #ImmigrantEntrepreneur #BusinessGrowth #Resilience #MageCloud #StartupStory #UkraineBusiness #Leadership #SmallBusinessUK #EntrepreneurshipCredits:Podcast by British Business PodcastProduced by Cheshire Podcast Studio (https://cheshirepodcaststudio.com)Guest: Paul - Founder, MageCloud (https://magecloud.agency)

You pour your energy (and sometimes a little bit of your sanity) into a new idea. But what happens when your big business brainwave… just isn’t working?Do you double down, Dyson-style, and keep pushing for that 5,000th prototype? Or do you do the hardest thing in entrepreneurship - cut your losses and move on?This week, Matt and Tom get brutally honest about when to quit - and why killing bad ideas fast can save your business, your time, and your mental health.🧨 How to spot when persistence becomes stubbornness (and why it’s so hard to admit defeat)💸 Knowing when to pull the plug on a project, hire, or partnership🧠 Why “sunk cost syndrome” is so dangerous for founders🥊 Real-world stories: agency regrets, wasted hours on beanies, and quitting booze🐟 Why sometimes catching the wrong fish is the only way to learn🌳 How quitting can actually help your business grow back stronger (like pruning a tree)🔥 Turning business “failures” into your next big winFrom Woolworths clinging to the high street, to James Dyson’s 5,000 prototypes, to Matt’s rant about shady agencies—this episode is all about the art of knowing when to walk away, and how to bounce back even better.💡 Key Takeaway:Quitting isn’t failure—it’s a skill. The best founders know when to kill a bad idea, cut their losses, and invest in what works.🎧 Listen now on Spotify | 📺 Watch on YouTube🔊 Spotify – https://open.spotify.com/show/4uqUUHL0KUZL2m9dLx9JvO📺 YouTube – https://www.youtube.com/@BritishBusinessPodcastFollow Matt:🌐 https://linktr.ee/mrmatthollandFollow Tom:👨‍💻 LinkedIn: https://www.linkedin.com/in/tom-mcilvenny-b15b9555/💬 What’s something you wish you’d quit sooner in your business journey? Or did sticking it out finally pay off?#BritishBusiness #WhenToQuit #FounderLife #FailFast #BusinessLessons #Entrepreneurship #Leadership #SmallBusinessUK #GrowthMindset

Ever found yourself putting off a tough conversation, hoping a bad hire will just “sort themselves out”?Or maybe you’ve ignored a red flag in an interview then paid the price for months?This week on British Business, Matt and Tom get brutally honest about hiring slow and firing fast—why it matters, why it’s so hard, and what happens to your team if you don’t act quickly enough. From awkward probation chats to the true cost of keeping the wrong person, we’re cutting through the British politeness to talk about protecting your business, your culture, and your sanity.We get real about:🔎 Why most founders wait too long to let people go🚩 The red flags we all ignore (and regret)💔 Why “being nice” can destroy your team👥 Building a squad you don’t have to babysit⚖️ The balance between second chances and protecting your best people🔥 Lessons from Lord Sugar: fire fast to save your businessPlus, rants on British bureaucracy, civil service pensions, and why hiring in the UK is so damn hard right now.💡 Key Takeaway:Kindness is great, but courage keeps your business alive. Hire with care. Fire with speed. Your A-players will thank you.🎧 Listen now on Spotify | 📺 Watch on YouTube🔊 Spotify – https://open.spotify.com/show/4uqUUHL0KUZL2m9dLx9JvO📺 YouTube – https://www.youtube.com/@BritishBusinessPodcastFollow Matt:🌐 https://linktr.ee/mrmatthollandFollow Tom:👨‍💻 LinkedIn: https://www.linkedin.com/in/tom-mcilvenny-b15b9555/💬 Have you ever waited too long to let someone go? How did it impact your business?#BritishBusiness #Hiring #Firing #SmallBusinessUK #FounderLife #TeamCulture #Leadership #BusinessPodcast #Entrepreneurship #ToughDecisions