The Break
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The Break episodes

  • If You Want to Make Money, You NEED to Hear This About Tax | Nicole Zalys

    On this episode of The Break, I sit down with Nicole from The London Accountant to unpack how UK business tax really works and why so many new entrepreneurs feel overwhelmed when they start a limited company. We get into the real gaps in financial education, from misunderstanding how accounting actually works to why tax fear holds so many people back from growing.

    We talk through the most common tax mistakes small business owners make, from director’s loans and corporation tax surprises to pricing issues that quietly hurt profitability. Nicole also explains why monthly financial visibility, personal budgeting, and building a simple financial model before starting a business can completely change your results.
    What we cover:
    0:00 Introduction
    0:57 From corporate to entrepreneurship: Nicole’s career shift explained
    05:41 Why real-world experience often matters more than qualifications in business finance
    07:37 The most common tax mistakes small business owners make (and why they happen)
    13:49 Is the UK accountancy system broken? The gap between accountants and business owners
    22:30 The most costly mistake entrepreneurs make with their pricing strategy
    27:49 How personal life and mindset can directly impact money decisions in business
    35:39 How director’s loans work and the most common mistakes UK business owners make with them
    42:33 Balancing motherhood and entrepreneurship while running a finance business
    48:35 Tax avoidance vs tax efficiency: what’s legal, what’s risky, and what’s misunderstood
    53:11 The one financial planning tool every entrepreneur should use before starting a business
    Get My Personal Budgeter here - https://www.thebreakresources.com/resources/p/the-budget-planner
    Follow the Break Social on Instagram for updates: https://www.instagram.com/thebreaksocial/
    For Business and Sponsorship Opportunities: [email protected]
    #taxsupport #businesstax #businessfinance

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    58 min
  • She Quit Her Job at 24 to Build Wealth, Here's How She Did It | Mia McGrath

    On this episode of The Break, I sit down with Mia McGrath, a 25-year-old who made the brave decision to quit her job after building her wealth. We explore the importance of effective money management and how understanding money psychology can lead to long-term happiness, rather than being stuck at day one. We talk personal finance tips, "Frugal Chic", and the significance of financial education to help you learn how to manage money effectively and avoid emotional spending.

    Get My Personal Budgeter here - https://www.thebreakresources.com/resources/p/the-budget-planner
    Follow the Break Social on Instagram for updates: https://www.instagram.com/thebreaksocial/
    For Business and Sponsorship Opportunities: [email protected]

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    58 min
  • Why You Need to Rethink Your Finances Right Now

    Something big is happening to the global economy right now - and most people either don't know about it, don't understand it, or are too overwhelmed to figure out what it means for their actual lives.


    In this video, I'm breaking down the three major forces shaking the economy simultaneously, what it actually means for your money, and the moves you need to make right now to protect yourself.


    Get My Personal Budgeter here - https://www.thebreakresources.com/products/budget-planner

    Timestamps: 0:00 - Why Your Cost of Living Keeps Going Up

    1:38 - The 3 Forces Shaking the Economy Right Now

    1:54 - Force 1: The Middle East Conflict & Energy Crisis

    2:57 - Force 2: Tariff Wars & Your Shopping Basket

    3:57 - Force 3: Financial Market Volatility

    4:51 - What This Means for Your Money in Plain English

    5:08 - Step 1: Audit Your Exposure

    5:35 - Step 2: Build Your Emergency Fund

    6:32 - Step 3: Tackle Your Debt First

    7:06 - Should You Still Be Investing Right Now?

    8:07 - Sectors Worth Watching

    8:59 - The Realistic Outlook: Optimistic vs Uncomfortable

    Get My Personal Budgeter here - https://www.thebreakresources.com/resources/p/the-budget-planner
    Follow the Break Social on Instagram for updates: https://www.instagram.com/thebreaksocial/
    For Business and Sponsorship Opportunities: [email protected]

    Learn more about your ad choices. Visit podcastchoices.com/adchoices

    14 min
  • DOES MONEY MAKE YOU HAPPIER? A Question For Timo Armoo

    In today’s episode of The Break, Patricia sits down with the one and only Timothy Armoo—the co-founder of Fanbytes, a Gen Z-focused marketing agency that shook up the digital world! From starting his first business at 14 to landing on Forbes’ 30 Under 30, Timo shares his journey, lessons learned, and tips for anyone looking to disrupt the status quo.


    You can also watch the full episodes on YouTube and listen on all podcast apps. 


    Connect with Timo on Instagram: @timarmoo


    Connect with The Break and Patricia on socials to keep up to date

    Instagram @thebreaksocial @patriciabright

    TikTok @thebreaksocial @patriciabright

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    1 hr 3 min
  • TWO MILLION IN A WEEK: Is TikTok a career industry?

    In this episode of The Break, Patricia sits down with the incredible Mitchell Halliday, the creative genius behind the cult-favorite beauty brand Made By Mitchell! From starting as a self-taught makeup artist to becoming one of the most recognized names in the beauty industry, Mitchell shares how he built his empire, stayed true to his creativity, and made waves in the world of makeup. You won’t want to miss it!


    We are also delighted that we are partnering with Klarna for this series. Klarna is all about giving you control and flexibility with your spending, offering a choice of secure payments that suit you! Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.


    You can also watch the full episodes on YouTube and listen on all podcast apps. 


    Connect with Mitchell on Instagram: 

    @mmmitchell


    Connect with The Break and Patricia on socials to keep up to date

    Instagram @thebreaksocial @patriciabright

    TikTok @thebreaksocial @patriciabright

    Learn more about your ad choices. Visit podcastchoices.com/adchoices

    53 min
  • CAREER OR KIDS? Can you have both?

    Jada Sezer, model, mental health advocate, and host of her own podcast, joins Patricia Bright on The Break for an inspiring conversation. Together, they discuss the evolution of body positivity, the importance of authentic brand positioning, and how to take control of your finances. With Jada’s unique insights as a podcast host and advocate for self-confidence, this episode is packed with major advice pointers! Tune in! 


    We are also delighted that we are partnering with Klarna for this series. Klarna is all about giving you control and flexibility with your spending, offering a choice of secure payments that suit you! Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.


    You can also watch the full episodes on

    YouTube and listen on all podcast apps. 


    Connect with Stef on Instagram: @jadasezer

    Connect with The Break and Patricia on socials to keep up to date

    Instagram @thebreaksocial @patriciabright

    TikTok @thebreaksocial @patriciabright

    Learn more about your ad choices. Visit podcastchoices.com/adchoices

    57 min
  • WHAT INFLUENCERS REALLY DO: Is It A Kickstart For The Dream Job?

    This week we have invited Stef Williams to The Break Podcast! Her passion towards fitness has led to her booming online presence and the creation of This Is Sefi and We Glow. Tune in to hear us speak about holistic wealth, leaning into your power, career risks and so much more.


    We are also delighted that we are partnering with Klarna for this series. Klarna is all about giving you control and flexibility with your spending, offering a choice of secure payments that suit you! Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.


    You can also watch the full episodes on YouTube and listen on all podcast apps. 


    Connect with Stef on Instagram: @stef.williams

    Connect with The Break and Patricia on socials to keep up to date

    Instagram @thebreaksocial @patriciabright

    TikTok @thebreaksocial @patriciabright

    Learn more about your ad choices. Visit podcastchoices.com/adchoices

    54 min
  • YOU ARE LOSING MONEY: Debodun Osekita Tells Us Why

    For this week’s episode Patricia invites Debodun Osekita, founder of Stock Pickers Academy and multi-asset hedge fund trader turned investing and careers coach. Today we’ll be exploring topics relating to female intuition, the silent killers of wealth, and much more. Tune in to answer your questions surrounding investment and leveling up. 


    We are also delighted that we are partnering with Klarna for this series. Klarna is all about giving you control and flexibility with your spending, offering a choice of secure payments that suit you! Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.


    You can also watch the full episodes on YouTube and listen on all podcast apps. 


    Connect with Debodun on Instagram: @manlikedebs

    Connect with The Break and Patricia on socials to keep up to date

    Instagram @thebreaksocial @patriciabright

    TikTok @thebreaksocial @patriciabright

    Learn more about your ad choices. Visit podcastchoices.com/adchoices

    1 hr 3 min
  • A FAMILY AFFAIR: Generational Wealth, Safety Nets, Blending Business…

    Today is an extra special episode because we’ve got not one, but two very important people from Patricia’s life joining her today - her sister Maureen and her cousin Erica. It really is a family affair. This episode we are exploring conversations about blending family and business, what to do when there is no safety net, generational wealth management and so much more. Join us for some unfiltered conversation and insights into how we continue to make it. 


    We are also delighted that we are partnering with Klarna for this series. Klarna is all about giving you control and flexibility with your spending, offering a choice of secure payments that suit you! Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.


    You can also watch the full episodes on YouTube and listen on all podcast apps. 


    Connect with The Break and Patricia on socials to keep up to date

    Instagram @thebreaksocial @patriciabright

    TikTok @thebreaksocial @patriciabright

    Learn more about your ad choices. Visit podcastchoices.com/adchoices

    1 hr 14 min

About The Break

From the publisher's feed

The Break is a podcast focusing on what happens when wealth and wellness meet. Your host, Patricia Bright, is joined by a diverse range of guests to discuss how finance intertwines with their professional and personal lifestyles. 

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