Episode Summary

Host Clayton M. Coke interviews Craig Carson, Managing Director of Barratt London, on how London’s housing crunch is stalling Gen Z life goals and what developers are doing to help. From 40% delaying marriage/kids to deposit matches and new-build perks, discover Barratt’s “Step on the Ladder” campaign and practical paths to ownership. Ideal for first-time buyers, renters, and property professionals.

Chapters
[00:00] Intro & Barratt London Overview
[00:29] 40+ Years, 50K Homes, TfL Partnerships
[00:57] 36% Young Adults Held Back by No Home
[01:26] Gen Z Delays & “Step on the Ladder” Campaign
[02:21] London Land Squeeze & Lifestyle Shifts
[03:45] 29% Don’t Know How to Start Buying
[04:37] Cutting Through Negative Property Press
[05:05] Key Worker Deposits, Deposit Unlock, 5% Match
[06:50] Shared Ownership & Lifetime ISA (£1K Bonus)
[08:17] New-Build vs. Fixer-Upper Advantages
[10:10] Stamp Duty Explained & Broker Advice
[12:02] Tapping Buyer Excitement
[13:26] Government 1.5M Homes Target
[14:48] Entrepreneur Advice: Stay in the Market
[15:44] Resources & Close 

Key Discussion Points 

• Barratt London: 40+ years, 50,000 homes delivered, 2,000/year goal via TfL brownfield sites. 
• Gen Z Crisis: 40% delay milestones; 36% feel held back; 29% clueless on process. 
• Market Dynamics: Land scarcity, Elizabeth Line, hybrid work, 50% affordable homes. 
• Solutions: Mortgage brokers, Deposit Unlock (95% LTV), 5% deposit match, key worker schemes. 
• Shared Ownership (via partners), Lifetime ISA (£1,000 bonus on £4,000 saved). 
• New-Build Perks: Move-in ready, energy-efficient, 10-year NHBC warranty. 
• Stamp Duty/Mortgages: Hidden costs; brokers simplify. 
• Policy: 1.5M homes target; ambitious collaboration needed.

Key Takeaways 

• Mortgage often cheaper than rising rent—deposit access is key. 
• Lifetime ISA adds £1,000 free per £4,000 saved annually. 
• New homes = lower bills, no reno hassle, prime transport links. 
• Start with a broker to avoid surprises like stamp duty. 
• Optimism drives sales—focus on dream, not hard-sell.

Notable Quotes 

• “40% of Gen Z are putting off marriage, children, or travel because of the housing ladder.” – Craig Carson 
• “The difference between mortgage and rent is marginal—accessing deposit is key.” – Craig Carson 
• “Buying new: move in, put furniture down, start living—day one.” – Craig Carson 
• “Better being in the market than not in the market.” – Craig Carson

Actionable Insights for Businesses 

• Launch beginner guides like “Step on the Ladder” to build trust. 
• Offer deposit boosts (5% match, 95% LTV) to close rent-vs-buy gap. 
• Market new-build energy savings and 10-year warranties. 
• Partner with housing associations for shared ownership pipelines. 
• Train teams on empathy—guide buyers through nerves to excitement.

Resources 

• Barratt Homes Website
• Step on the Ladder Campaign 

The Cashflow Show can be reached here:
Website: www.thecashflowshowpodcast.com 

Email: thecashflowshowpodcast@gmail.com

Twitter: https://twitter.com/thecashflowshow 

Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com

Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] 

“What are YOU like?”, “60 Second Shoot-Out” &"What About The Tech?" are all intellectual properties of Dialogue [London] Ltd

(c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved 

Episode Summary:
In this insightful episode of The Cashflow Show, hosted by Clayton M. Coke, Consumer finance and savings expert Sarah Pennells joins to discuss the findings of Royal London’s recent research on savings and ISAs. The episode dives into why millions of UK Entrepreneurs are missing out on financial opportunities due to confusion, risk aversion, and myths about investing. Sarah shares actionable insights on overcoming barriers to savings, understanding ISAs, and empowering diverse groups, including women, to invest confidently. Perfect for anyone looking to make their money work harder!

Key Discussion Points 

• Role of a Consumer Finance Expert: Sarah explains her work at Royal London, including webinars, research on financial resilience, and creating guides to demystify pensions and ISAs. 
• Royal London’s ISA Research: A survey of 4,000 UK adults revealed insights into savings habits, ISA usage, and barriers to investing, such as risk aversion and lack of understanding. 
• Risk Aversion in the UK: British savers tend to be cautious, often sticking to cash savings despite inflation risks, with myths about needing large sums to invest. 
• Stocks and Shares ISAs: 60% of cash ISA holders are open to moving funds to stocks and shares ISAs for better returns, but barriers like jargon and lack of confidence persist. 
• Gender Gap in Confidence: Women report lower confidence in understanding ISA rules, highlighting the need for jargon-free communication. 
• Financial Mindset Shift: Sarah emphasizes small, consistent investments and the power of compound interest for long-term wealth building.

Key Takeaways 

• Many UK adults have significant cash savings (average £15,000) but avoid investing due to myths about needing wealth to start. 
• Stocks and shares ISAs are accessible, starting at £50/month, and offer tax-free growth, ideal for long-term goals like retirement. 
• Inflation erodes cash savings over time, making investing a smarter choice for funds not needed for 5+ years. 
• Women face unique barriers in finance due to jargon; clear, simple communication can bridge this gap. 
• Compounding is a powerful tool for wealth creation, even with small, regular investments.

Notable Quotes 

• “Personal finance, savings, and investing can still be absolutely baffling to some people, even those making demanding decisions daily.” – Sarah Pennells 
• “You don’t invest to make yourself rich; you don’t need to be a millionaire to start investing.” – Sarah Pennells 
• “It’s about what that money will let you do… small shifts today, through the magic of time and compounding, can mean a different place in 10, 15, 20 years.” – Sarah Pennells 
• “Be fearful when everyone’s greedy, and greedy when everyone’s fearful.” – Sarah Pennells, quoting Warren Buffett

Actionable Insights for Businesses 

• Simplify Financial Communication: Use clear, jargon-free language to make investment products like ISAs accessible, especially for women and first-time investors. 
• Educate on Risk and Reward: Address risk aversion by highlighting long-term benefits of investing and the impact of inflation on cash savings. 
• Promote Accessible Entry Points: Market low-entry investment options (e.g., £50/month for ISAs) to dispel myths about needing large sums. 
• Leverage Digital Resources: Offer guides and webinars, like Royal London’s, to educate clients on financial tools and build trust. 
• Target Long-Term Goals: Position investments as solutions for future aspirations (e.g., retirement, dream holidays) to shift consumer mindsets.

Resources 

• Royal London ISA Guides: RoyalLondon.com/ISAsguides 
• Follow Sarah Pennells on Twitter/X 

The Cashflow Show can be reached here:
Website: www.thecashflowshowpodcast.com 

Email: thecashflowshowpodcast@gmail.com

Twitter: https://twitter.com/thecashflowshow 

Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com

Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] 

“What are YOU like?”, “60 Second Shoot-Out” &"What About The Tech?" are all intellectual properties of Dialogue [London] Ltd

(c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved 

Episode Summary :

Could the UK economy gain a £75 billion boost by empowering ethnic minority businesses?
In this episode of The Cashflow Show, host Clayton M. Coke interviews Professor Monder Ram OBE, Director of CREME at Aston University, about the Time to Change report. Professor Ram reveals how ethnic minority entrepreneurs, twice as entrepreneurial as their white counterparts, face barriers in finance, markets, and support, yet hold untapped potential for growth.
Learn how addressing these challenges can drive economic growth and how businesses can support inclusive entrepreneurship.
Listen in for actionable insights and visit CREME at Aston University for the full Time to Change report!

Key Discussion Points

• CREME’s Mission: The Centre for Research in Ethnic Minority Entrepreneurship (CREME) researches and develops solutions for challenges facing UK ethnic minority businesses (00:28–01:26).
• Entrepreneurial Disparity: Ethnic minority communities are twice as entrepreneurial but face higher business failure rates after 3.5 years compared to white counterparts (01:26–04:22).
• Economic Potential: Ethnic minority businesses contribute £25 billion to the UK economy, with potential to reach £100 billion if barriers are addressed (03:23–03:52).
• Time to Change Report: A NatWest-backed study provides 10 evidence-based recommendations to boost growth through better finance, data, and support (07:18–11:11).
• Finance Barriers: Black and ethnic minority entrepreneurs are twice as likely to be discouraged from seeking finance despite having bankable propositions (04:52–05:50).
• Support Gaps: Current business support often misaligns with the needs of minority entrepreneurs, who require high-value networks and supply chain access (06:20–07:18).
• Government Strategy: The Backing Your Business strategy incorporates CREME’s recommendations, emphasizing the everyday economy and inclusive policies (13:08–15:32).
• NatWest’s Role: NatWest’s 10-year incubator program fosters inclusive support, creating mutual atmospheres for minority entrepreneurs (17:00–18:24).
• Regional SME Summits: Government summits aim to gather feedback, but success depends on implementation and community partnerships (19:20–20:49).
• Global Lessons: Long-term, well-funded initiatives in the US and Canada show the need for sustained investment, unlike the UK’s often short-lived programs (22:16–24:11).

Key Takeaways

• Ethnic minority businesses contribute £25 billion to the UK economy, with a potential £75 billion GVA boost if growth barriers are addressed.
• Key challenges include access to finance, high-value markets, and tailored support, with discouragement doubling the hurdle for bankable propositions.
• The Time to Change report, backed by NatWest, offers 10 evidence-based solutions, now part of the government’s Backing Your Business strategy.
• Community partnerships and long-term investment, as seen in NatWest’s incubators, are critical for inclusive entrepreneurship.
• Regional SME summits must focus on implementation to ensure minority businesses benefit from inclusive policies.

Notable Quotes

• “Minority communities are twice as entrepreneurial as their white counterparts for many decades... yet they continue to face challenges.” – Professor Monder Ram (01:26)
• “Ethnic minority businesses contribute £25 billion to the economy... That contribution could increase fourfold to £100 billion.” – Professor Monder Ram (03:23)
• “Black and ethnic minority entrepreneurs are discouraged from accessing the system... They’re twice as likely to be discouraged from raising finance.” – Professor Monder Ram (05:20)
• “Supporting black businesses isn’t preferential treatment, it’s simply levelling the playing field and realising an opportunity.” – Professor Monder Ram (14:35)
• “The first thing is believe in yourself... There’s a huge amount of support out there and people who want to give back.” – Professor Monder Ram (25:08)

Actionable Insights for Businesses

1. Enhance Finance Access: Partner with banks to create streamlined loan processes, reducing discouragement for ethnic minority entrepreneurs.
2. Build Inclusive Networks: Develop mentorship programs or incubators, like NatWest’s, to connect minority businesses with high-value supply chains.
3. Support Everyday Economy: Invest in retail, cafes, and other minority-dominated sectors to boost local economic growth.
4. Advocate for Data Collection: Push for a UK census of ethnic minority businesses to better understand and support their contributions.
5. Engage Community Organizations: Collaborate with groups like the Black Founders Collective to deliver tailored business support and increase visibility.

Resources

• CREME at Aston University: Access the Time to Change report and more at CREME at Aston 
• The Time to Change Report can be viewed HERE

The Cashflow Show can be reached here:
Website: www.thecashflowshowpodcast.com 

Email: thecashflowshowpodcast@gmail.com

Twitter: https://twitter.com/thecashflowshow 

Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com

Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] 

“What are YOU like?”, “60 Second Shoot-Out” &"What About The Tech?" are all intellectual properties of Dialogue [London] Ltd

(c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved 

Why are South African high-net-worth individuals flocking to the UK?
In this episode of The Cashflow Show, host Clayton M. Coke speaks with Yash Naidoo, Senior Wealth Planner at Nedbank Private Wealth, about the ongoing migration of South African wealth to the UK. Yash shares insights on cultural ties, investment preferences, and wealth planning strategies driving this trend.
Discover how businesses can tap into this migration, from property investments to global portfolios, and help clients achieve their financial goals.
Tune in for expert advice and to explore wealth planning solutions!

Key Discussion Points

• Role of Wealth Planning: Naidoo uses cashflow modeling to align clients’ goals, simplifying complex financial decisions for South Africans relocating to the UK (00:29–00:57).
• Trend of Migration: Over 15 years, Nedbank has seen consistent South African client interest in UK relocation, driven by historic and cultural ties (01:26–02:51).
• UK’s Appeal: Familiarity from shared legal, educational, and cultural systems (e.g., English language, rugby) makes the UK a seamless destination (02:23–02:51).
• Investment Preferences: Clients favor globally diversified portfolios and UK property purchases for stability and growth (03:19–04:17).
• UK as a Global Hub: Proximity to the EU, minimal time differences, and easy flights make the UK an ideal base for South Africans (04:46–05:16).
• Anti-Foreigner Sentiment: Perceived by some, but not a major deterrent for high-net-worth South Africans navigating multicultural environments (05:43–06:12).
• Wealth Planning First Steps: Budgeting, understanding income streams, and opening international bank accounts are key to successful transitions (06:41–07:38).
• Entrepreneurial Spirit: South Africans bring entrepreneurial energy, enhancing the UK’s multicultural economy (08:07–08:36).
• Sustained Trend: Migration is expected to continue due to education opportunities and family ties, with no signs of slowing (08:36–09:32).
• Practical Steps for Relocation: Start with reconnaissance trips, open international accounts, and seek professional advice to hedge currency risks (09:59–11:24).

Key Takeaways

• South African wealth migration to the UK is driven by cultural familiarity, education, and investment opportunities, a trend consistent for 15 years.
• Globally diversified portfolios and UK property are top investment choices for high-net-worth South Africans.
• Wealth planning, including budgeting and currency hedging, is critical for smooth transitions and long-term financial success.
• The UK’s proximity to the EU and strong infrastructure make it a strategic base for global-minded South Africans.
• Entrepreneurial South Africans contribute to the UK’s multicultural economy, with wealth planning enabling legacy and lifestyle goals.

Notable Quotes

• “We try to really understand what [clients] are trying to achieve... and help them along their life journey.” – Yash Naidoo (00:29)
• “There’s a familiarity now between South Africa and the UK... from the legal system, the education system, rugby, cricket.” – Yash Naidoo (02:51)
• “The UK is an excellent positioning... It’s a wonderful transition point without taking a massive step elsewhere.” – Yash Naidoo (04:46)
• “South Africans are very entrepreneurial... It’s a good thing to have a multicultural society.” – Yash Naidoo (08:07)
• “One of the first things is to open an international bank account to transition wealth and hedge the currency risk.” – Yash Naidoo (10:26)

Actionable Insights for Businesses

1. Offer Tailored Wealth Planning: Develop cashflow modeling services to help relocating clients align investments with lifestyle goals, like Nedbank’s approach.
2. Target Property Investments: Market UK properties to South African expats, emphasizing move-in-ready homes to meet demand (61% prefer new builds per related housing data).
3. Simplify Financial Transitions: Provide international banking solutions to hedge currency risks, easing wealth transfers for high-net-worth clients.
4. Leverage Cultural Ties: Highlight UK-South Africa connections (e.g., education, legal systems) in marketing to attract South African investors.
5. Support Entrepreneurial Ventures: Create incubators or networks for South African entrepreneurs to integrate their skills into the UK economy.

Resources

• Nedbank Private Wealth: Explore wealth planning solutions at www.nedbankprivatewealth.com.

The Cashflow Show can be reached here:
Website: www.thecashflowshowpodcast.com 

Email: thecashflowshowpodcast@gmail.com

Twitter: https://twitter.com/thecashflowshow 

Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com

Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] 

“What are YOU like?”, “60 Second Shoot-Out” &"What About The Tech?" are all intellectual properties of Dialogue [London] Ltd

(c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved 

Episode Summary: Entrepreneurs face crises that test their limits but can they build resilience to thrive?
In this episode of The Cashflow Show, host Clayton M. Coke interviews Dr Rachel Doern, author of The Resilient Entrepreneur and Associate Professor at Goldsmiths, University of London. Drawing on her research from the 2011 London riots and COVID-19, and research on crises and resilience from different parts of the world Dr Rachel unpacks resilience as a dynamic process, sharing strategies to strengthen it and pitfalls to avoid.
Learn practical tools like distraction, positive reappraisal, and expectation management to navigate business setbacks and boost personal wellbeing.
Listen now to discover how to fortify your resilience and grab The Resilient Entrepreneur at Bristol University Press or Amazon!

Key Discussion Points

• Defining Resilience: Resilience is a learnable process, not just a trait, involving adjustments to attention, thinking, and resources to recover from crises (02:16–03:13).
• Book Overview: The Resilient Entrepreneur uses the 2011 London riots to explore how entrepreneurs build resilience through strategies and avoid vulnerabilities (01:47–02:46).
• London Riots Context: The 2011 riots, sparked by Mark Duggan’s death, impacted 22 of 32 London boroughs, with small businesses looted or burned, shaping Doern’s research (05:29–06:25).
• Resilience Strategies: Chapters 2–8 cover strengthening strategies like distraction, positive reappraisal, and expectation management; Chapters 9–11 address pitfalls like denial (09:18–11:59).
• Distraction Tactics: Healthy distraction (e.g., sports, learning new skills) shifts focus from crisis stress, while unhealthy “big D” distraction (e.g., substance use) numbs emotions (13:24–14:19).
• Positive Reappraisal: Reframing setbacks, like riot victims seeing opportunities in rebuilding, fosters long-term resilience (14:48–15:42).
• Expectation Management: Tempering optimism with realistic goals reduces disappointment and regulates emotions during uncertainty (16:10–17:33).
• Positive Self-Talk: Grounded, evidence-based affirmations (e.g., recalling past successes) boost confidence, unlike unrooted manifestation (18:02–19:45).
• Entrepreneurship Perception: The term “entrepreneur” should include everyday small business owners, not just high-profile figures like Elon Musk (20:15–22:35).
• Book’s Purpose: Aims to share actionable resilience tools, inspire broader audiences, and highlight global crisis management research (23:04–23:59).

Key Takeaways

• Resilience is a dynamic, learnable process involving mental and practical adjustments, not just an innate trait.
• The 2011 London riots revealed how entrepreneurs recover through strategies like distraction and reappraisal, offering lessons for any crisis.
• Healthy distraction and positive self-talk help manage immediate stress, while reappraisal and expectation management support long-term recovery.
• Misconceptions about entrepreneurship exclude everyday business owners; resilience strategies apply to all.
• Businesses lose £51bn annually to poor mental health—resilience tools can boost wellbeing and productivity.

Notable Quotes

• “Resilience is something you build, like a muscle... It’s about the kinds of adjustments entrepreneurs make to their attention, thinking, situation, and resources.” – Rachel Doern (02:46)
• “A crisis can be big or small... Losing a key member of staff or going through a personal situation like a divorce can impact wellbeing.” – Rachel Doern (03:41)
• “Some [riot victims] said, ‘Yes, it’s terrible, but at least my business wasn’t burned down. I still have the capability to move forward.’” – Rachel Doern (15:14)
• “Positive self-talk is about grounding what you’re saying in reality... It’s not about staring in the mirror and just saying things over and over.” – Rachel Doern (19:18)
• “The entrepreneur includes the self-employed, those who spot and exploit opportunities... not just Elon Musk.” – Rachel Doern (21:14)

Actionable Insights for Businesses

1. Practice Healthy Distraction: Encourage employees to engage in absorbing activities (e.g., team-building games) during crises to reduce stress without numbing emotions.
2. Set Realistic Goals: Use expectation management by setting achievable milestones (e.g., securing one new client post-crisis) to maintain morale and avoid disappointment.
3. Reframe Setbacks: Train teams to view challenges as opportunities, like pivoting to new markets after a disruption, to foster long-term resilience.
4. Promote Positive Self-Talk: Create a culture where employees reflect on past successes (e.g., through journaling) to boost confidence during tough times.
5. Broaden Entrepreneurship Mindset: Recognize all team members as potential innovators, not just high-profile leaders, to inspire resilience across your organization.

Resources

• The Resilient Entrepreneur by Rachel Doern: Available at Bristol University Press, Amazon, and Waterstones.

The Cashflow Show can be reached here:
Website: www.thecashflowshowpodcast.com 

Email: thecashflowshowpodcast@gmail.com

Twitter: https://twitter.com/thecashflowshow 

Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com

Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] 
As an Amazon Associate I earn from qualifying purchases. 

“What are YOU like?”, “60 Second Shoot-Out” &"What About The Tech?" are all intellectual properties of Dialogue [London] Ltd

(c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All...

Episode Summary: London is the world’s most traded real estate city, but its investment dominance isn’t guaranteed!
In this episode of The Cashflow Show, host Clayton M. Coke interviews Jace Tyrrell, CEO of Opportunity London, about attracting £100 billion in real estate, energy, and infrastructure investment. They discuss rising construction costs, sovereign risks, and AI’s impact on office spaces, plus opportunities from US university expansions.
Discover how businesses can navigate high costs, leverage infrastructure projects, and capitalize on London’s dynamic market to drive growth.
Tune in for expert insights and visit Opportunity.London to explore investment projects worth £100M–£1.5B!

Key Discussion Points

• London’s Investment Appeal: London remains the top global real estate market, driven by scale, a dynamic 10-million population, 300 languages, top universities, and a thousand-year-old legal system (06:19–07:11).
• Risks to Investment Hub Status: Rising inflation, cost of capital, and housing challenges threaten London’s edge; upcoming budget decisions will impact global investor confidence (00:58–01:28).
• High Construction Costs: Post-COVID, costs have risen 40–50%, outpacing asset values. Modern methods of construction (MMC) like digital printing and prefabrication can reduce costs (03:10–03:35).
• Infrastructure Investment Demand: Investors show strong interest in transport and energy projects, but need clarity on government stability to avoid sovereign risk from shifting policies (04:53–05:49).
• US University Expansion: Private US universities (e.g., MIT, Harvard) are eyeing London due to visa restrictions and funding cuts, creating opportunities for student housing and affordable real estate (08:03–09:29).
• AI’s Impact on Offices: AI reduces demand for junior white-collar roles, prompting businesses to design flexible, high-quality office spaces to balance productivity and engagement (09:58–12:06).
• London Investment Summit: Opportunity London hosts 300 investors to showcase 25 live projects worth £9.1B, fostering deals with public-private partners (12:30–13:22).
• Sovereign Risk Concerns: Long-term investors need assurance that political shifts won’t alter infrastructure or energy project commitments (05:21–05:49).
• Housing and Regeneration Needs: Affordable housing and high street regeneration require innovative financing and public-private partnerships to meet London’s growing needs (01:28–04:00).
• Market Performance: London traded £7.1B in real estate this year, up 14% from last year, but still below pre-COVID £25B, aiming for £15–16B by year-end (07:11–07:33).

Key Takeaways

• London’s global investment dominance relies on its scale, diversity, and legal stability, but faces risks from inflation, housing shortages, and policy uncertainty.
• Rising construction costs (40–50% post-COVID) demand innovative solutions like modern methods of construction (MMC) to make projects viable.
• Investors prioritize transport and energy infrastructure but require long-term government commitment to mitigate sovereign risk.
• US university expansions offer investment potential in student and affordable housing, boosting London’s real estate market.
• AI-driven office space shifts call for flexible, premium workspaces to maintain productivity and attract talent.

Notable Quotes

• “London is still and hopefully will continue to be the most globally traded real estate city in the world.” – Jace Tyrrell (00:29)
• “Global capital has a choice... We’re in a race for that capital, which is why our partnership was set up to help us win that race for London.” – Jace Tyrrell (00:58)
• “The housing challenge for most global cities is very acute in London. We have a 10 million population, a very dynamic and talented workforce.” – Jace Tyrrell (01:28)
• “We need to design the offices of the future... AI is a disruptor, particularly in white-collar [roles].” – Jace Tyrrell (10:49)
• “We’re unveiling five new projects for the capital tomorrow worth about 9.1 billion.” – Jace Tyrrell(13:22)

Actionable Insights for Businesses

1. Adopt Modern Construction Methods: Use digital printing and prefabrication to reduce construction costs by up to 40–50%, making real estate projects more viable.
2. Engage in Public-Private Partnerships: Collaborate with local authorities and the mayor’s office to unlock housing and infrastructure projects, ensuring deliverability.
3. Design AI-Ready Workspaces: Invest in flexible, high-quality office spaces to balance remote work and in-person collaboration, enhancing productivity amid AI disruptions.
4. Target University-Driven Opportunities: Explore investments in student housing and faculty accommodations as US universities expand into London.
5. Mitigate Sovereign Risk: Advocate for stable government policies in budget discussions to assure investors of long-term project reliability.

Resources

• Opportunity London Website: Explore investment projects worth £100M–£1.5B at www.opportunity.london.
• London Investment Summit Details: Learn about live projects and connect with partners at www.opportunity.london/summit.

The Cashflow Show can be reached here:
Website: www.thecashflowshowpodcast.com 

Email: thecashflowshowpodcast@gmail.com

Twitter: https://twitter.com/thecashflowshow 

Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com

Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] 
As an Amazon Associate I earn from qualifying purchases. 

“What are YOU like?”, “60 Second Shoot-Out” &"What About The Tech?" are all intelle...

Episode Summary

UK employees are missing nearly two full working weeks a year due to sickness—9.4 days on average, the highest in over a decade!
In this episode of The Cashflow Show, host Clayton M. Coke speaks with Rachel Suff, Senior Wellbeing Advisor at the Chartered Institute of Personnel and Development (CIPD), about their latest survey revealing drivers like mental ill health (41% of long-term absences) and stress (26% of short-term absences). They explore the post-pandemic rise and proactive strategies for businesses.

Key Discussion Points

• Rising Absence Rates: UK employees averaged 9.4 sick days last year, up from 7.8 in 2023 and 5.8 pre-pandemic, equating to nearly two working weeks (00:58–01:27).
• Long-Term Absence Causes: Primarily driven by mental ill health (41%), back/neck pain injuries, and other long-term conditions like cancer (01:56–02:26).
• Short-Term Absence Drivers: Mainly minor illnesses (78%), with mental ill health (29%) and stress (26%) also significant, often scattered throughout the year (05:17–05:47).
• Mental Health Trends: Mental ill health has risen post-pandemic due to increased openness, global events, and life pressures like caring responsibilities; it fluctuates on a spectrum including anxiety, depression, and stress (03:23–04:47).
• Demographic Factors: Nearly 9 million people in the UK have long-term health conditions, exacerbated by an aging workforce more susceptible to disabilities (02:26–02:55).
• Data and Prevention: Organizations must collect absence data to identify risks, differentiate causes, and proactively manage both short- and long-term absences through supportive conversations (06:14–07:09).
• Manager Training Needs: Many small businesses lack HR support; good management principles like empathy and flexibility help spot issues early, with signposting to GPs for serious conditions (07:38–09:32).
• Health Benefits Impact: Providing affordable options like counseling, employee assistance programs, or health cash plans can reduce absences and is highly valued by employees (10:29–11:56).
• Stress Management Tools: Employers have a legal duty to prevent stress via HSE tools like risk assessments and management standards addressing demands, control, change, and relationships (12:24–14:18).
• First Steps for New Leaders: Gather health and absence data, review employee surveys, identify risks, train managers, and implement supportive policies like flexible working (14:48–16:38).

Key Takeaways

• Sickness absence has surged to 9.4 days per employee annually, driven by mental health, minor illnesses, and long-term conditions, with an aging workforce adding pressure.
• Mental ill health is the top cause of long-term absences (41%), amplified by pandemic effects and greater societal openness to discussing it.
• Proactive data collection and manager training are essential to differentiate causes and prevent absences, rather than reacting after they occur.
• Affordable health benefits like counseling or cash plans can significantly reduce absences, especially in small businesses.
• HSE stress tools, including risk assessments, help mitigate workplace stressors like heavy workloads and poor relationships.

Notable Quotes

• “It is nearly two full working weeks, but that is an average. Some employees might just have one or two days... but others with more serious health conditions could be off for longer.” – Rachel Suff (01:27)
• “Mental ill health comprises conditions like anxiety or depression, which can really vary... And there's also stress, which isn't a clinical condition, but can cause physical and mental health symptoms.” – Rachel Suff (04:47)
• “It's really important to keep in touch... Don't let absence drift, keep in touch with people.” – Rachel Suff (07:09)
• “A lot of people are living, more people are working with a health condition than they're not, and they are managing their health issue.” – Rachel Suff (10:01)
• “Employers in this country are under a legal duty to protect people from stress and there are really good tools available to help them manage that.” – Rachel Suff (12:54)

Actionable Insights for Businesses

1. Collect and Analyze Data: Review absence patterns, employee surveys, and health risks specific to your organization to identify main causes like stress or minor illnesses.
2. Train Managers Proactively: Equip line managers with skills for empathetic conversations, early issue spotting, and supportive return-to-work plans to reduce short-term absences.
3. Implement Stress Prevention Tools: Use HSE management standards for risk assessments on demands, control, change, and relationships to legally mitigate workplace stress.
4. Offer Affordable Health Benefits: Introduce cost-effective options like employee assistance programs or health cash plans to support mental health and minimize long-term absences.
5. Foster Flexibility and Support: Provide temporary adjustments like flexible hours for those managing health conditions or caring responsibilities, promoting a culture of open dialogue.

Resources

• CIPD Health and Wellbeing at Work 2025 Survey Report: Download the full report with findings and top tips at www.cipd.org/uk/knowledge/reports/health-well-being-work/.
• HSE Stress Management Tools: Access risk assessments and management standards at www.hse.gov.uk/stress/.
• Simplyhealth Homepage.

The Cashflow Show can be reached here:
Website: www.thecashflowshowpodcast.com 

Email: thecashflowshowpodcast@gmail.com

Twitter: https://twitter.com/thecashflowshow 

Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com

Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

Our theme music is called "The Mediator - aka T...

Is hybrid working stunting the growth of your youngest employees?
Nearly half of 18–24-year-olds say it’s hurting their workplace relationships and mental health!
In this episode of The Cashflow Show Podcast, host Clayton M. Coke interviews Natasha Devon, MBE, writer, broadcaster, and mental health activist, to explore new research from the Institution of Occupational Safety and Health (IOSH). Natasha unpacks why 48% of young workers struggle to build relationships and 17% report worsening mental health in hybrid setups, and how businesses can adapt.
Learn how to redesign hybrid models to support young workers with structured feedback, mentoring, and collaboration opportunities, ensuring they thrive in today’s workplace.
Tune in to discover practical strategies to boost engagement, retention, and mental well-being for the next generation of talent, and visit IOSH for actionable resources.

Key Discussion Points

• Rise of Hybrid Working: Accelerated by COVID lockdowns, hybrid models benefit established workers but pose challenges for younger employees entering the workforce (01:19–02:13).
• Relationship Struggles: 48% of 18–24-year-olds find it hard to build workplace relationships due to limited face-to-face interaction in hybrid setups (02:39–03:07).
• Mentoring Gaps: Only 16% of entry-level staff receive regular mentoring, leaving young workers without critical guidance to learn the ropes (03:36–09:08).
• Mental Health Impact: 17% of young workers report worsened mental health, with 50% citing cost of living as a top stressor, compounded by isolation and lack of feedback (05:46–07:40).
• Solutions for Equity: Structured check-ins (desired by 45%), in-person mentoring, and face-to-face collaboration (wanted by 35%) can support young workers’ growth (04:27–14:44).
• Employer Mindset Shift: Open dialogue and anonymous feedback systems can address young workers’ needs, breaking from outdated top-down management styles (09:36–11:04).
• Cost of Living Concerns: Financial stress affects 50% of young workers; employers can help with solutions like subsidized transport or community partnerships (11:33–12:20).
• Collaboration Challenges: Hybrid setups scatter teams, but hot-desking or rented communal spaces can foster in-person collaboration (14:44–15:40).

Key Takeaways

• Hybrid working, while beneficial for some, hinders young workers’ ability to form relationships and access mentoring, impacting their career growth.
• Mental health suffers due to isolation, lack of feedback, and financial stress, with 17% of young workers reporting a decline in well-being.
• Structured weekly check-ins, in-person collaboration, and mentoring are critical to supporting young workers in hybrid environments.
• Employers must prioritize open dialogue and anonymous feedback to understand and address young workers’ unique needs.
• Creative solutions like subsidized transport or shared workspaces can alleviate financial and collaboration challenges, boosting retention.

Notable Quotes

• “48% of 18–24-year-olds struggle to build workplace relationships. That’s almost half.” – Natasha Devon (03:07)
• “When you don’t name something, it becomes invisible. Young people need that constant constructive feedback to learn the ropes.” – Natasha Devon (03:36)
• “If you’re doing everything remotely, potentially four of the five key human psychological needs are suffering.” – Natasha Devon (06:15)
• “Short-termist thinking like using AI or online training saves money now, but mental health issues cost more down the line.” – Natasha Devon (07:10)
• “The number one fear of employees is if I talk about my struggles, it’ll affect my career progression. Anonymous feedback removes that fear.” – Natasha Devon (16:11)

Actionable Insights for Businesses

1. Implement Structured Check-Ins: Schedule regular, short feedback sessions (2–3 times weekly) to provide young workers with clear guidance and reduce isolation.
2. Prioritize In-Person Mentoring: Carve out face-to-face training time, especially for entry-level staff, to replicate informal guidance lost in hybrid setups.
3. Foster Collaboration: Use hot-desking or rented communal spaces for periodic in-person team meetings to boost collaboration (desired by 35% of workers).
4. Address Financial Stress: Offer cost-of-living support like subsidized transport or local business partnerships to ease financial burdens and improve morale.
5. Encourage Open Dialogue: Create anonymous feedback systems to allow young workers to voice concerns without fear of career repercussions, fostering trust.

Resources

• Institution of Occupational Safety and Health (IOSH): Visit www.iosh.com for tips on supporting young workers in hybrid workplaces.
• Where’s Your Head At? Campaign: Learn about Natasha Devon’s mental health advocacy at www.wheresyourheadat.org.
• Learn about Natasha Devon’s show on LBC

The Cashflow Show can be reached here:
Website: www.thecashflowshowpodcast.com 

Email: thecashflowshowpodcast@gmail.com

Twitter: https://twitter.com/thecashflowshow 

Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com

Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] 
As an Amazon Associate I earn from qualifying purchases. 

“What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd

(c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved 

Are you or your team struggling to embrace new skills at work? You’re not alone—40% of adults face a confidence dip when learning, with career optimism peaking at just 25!

In this episode of The Cashflow Show Podcast, host Clayton M. Coke sits down with Professor Steve Peters, consultant psychiatrist and author of The Chimp Paradox, to unpack new research revealing why so many adults lose confidence in skill development.  Professor Peters explains the neuroscience behind this dip, how the brain’s risk-averse "Chimp" system holds us back, and how to unlock untapped potential for career growth.

Discover practical strategies to overcome fear of failure, reframe self-perception, and foster a workplace culture that boosts confidence and innovation. Whether you’re a business leader or an employee, this episode offers actionable insights to thrive in today’s fast-evolving workplace.

Key Takeaways

• Confidence dips post-25 due to the brain’s shift to risk aversion, but this can be reversed by reframing failure and self-perception.
• Comparing yourself to others or perfectionism undermines confidence; focus on personal growth and realistic goals instead.
• Employers can unlock employee potential by fostering a culture of emotional skill-building and flexible learning opportunities.
• The Skills for Life campaign provides accessible resources to help adults and businesses upskill, from apprenticeships to online learning.
• Managing the "Chimp" brain through mindset shifts can lead to greater resilience, risk-taking, and career progression.

Notable Quotes

• “Dealing with failure is a myth. What we’re really saying is I can’t deal with the consequences of failure, which is different. As adults, we can deal with anything.” – Professor Steve Peters (02:24)
• “If we keep comparing to others and to perfection, we naturally lose confidence because we always perceive others as better.” – Professor Steve Peters (03:20)
• “If I perceive myself as a proactive go-getter, my brain won’t let me sit back because it feels wrong.” – Professor Steve Peters (05:15)
• “One in three adults remain curious about their untapped potential. Couldn’t this do fantastic things for businesses and the economy?” – Clayton M. Coke (06:14)
• “Get yourself in a good place psychologically. Learn about your mindset, and everything else is plain sailing.” – Professor Steve Peters (09:56)

Actionable Insights for Businesses

1. Foster Emotional Skills: Train employees in emotional intelligence to manage the "Chimp" brain, reducing fear of failure and boosting confidence in learning new skills.
2. Encourage Flexible Learning: Leverage programs like Skills for Life to offer diverse training options (e.g., online courses, mentorship) tailored to individual needs.
3. Reframe Failure: Create a workplace culture that views setbacks as manageable consequences, encouraging risk-taking and innovation.
4. Tap into Curiosity: Identify and nurture the 30% of employees curious about their potential to drive business growth and engagement.
5. Promote Proactive Mindsets: Help employees reframe self-perception as proactive and capable, reducing reluctance to upskill or take on new challenges.

Resources

• Skills for Life Campaign: Visit www.skillsforcareers.education.gov.uk to explore apprenticeships, boot camps, and online learning opportunities.
• The Chimp Paradox by Professor Steve Peters: Learn more about managing your mindset with this bestselling book, available at major bookstores 
• A Path Through the Jungle by Professor Steve Peters: A follow-up book focusing on emotional skills, available at major bookstores .

The Cashflow Show can be reached here:

Website: www.thecashflowshowpodcast.com 

Email: thecashflowshowpodcast@gmail.com

Twitter: https://twitter.com/thecashflowshow 

Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com

Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] 
As an Amazon Associate I earn from qualifying purchases. 

“What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd

(c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved 

In this dynamic episode of The Cashflow Show, recorded live at Tech Show London 2025, host Clayton M. Coke sits down with Alex Cruz, former CEO of British Airways, now Vice-Chairman of Westjet, to explore the modernization of the travel industry. With 35 years of experience, Alex discusses how outdated systems, like 70-year-old reservation codes, clash with rising customer expectations shaped by digital-first businesses. He delves into the transformative potential of AI in addressing complex operational challenges, boosting revenues, and enhancing customer experiences, while emphasizing the need for a risk-averse industry to embrace experimentation and cultural change.

Key Discussion Points

• Outdated Systems: The travel industry relies on 70-year-old structures, like six-digit reservation codes, and aging IT systems that struggle to meet modern demands. 
• Customer Expectations: Exposure to seamless digital apps has raised traveler expectations, creating pressure to modernize operations and baggage tracking. 
• AI’s Dual Role: AI is being adopted for internal efficiencies (e.g., data analysis) and solving complex industry challenges, like crew scheduling and dynamic pricing. 
• Revenue Impact: AI-driven pricing solutions can boost airline revenues by 5–10% without significantly affecting customers, leveraging price elasticity. 
• Cultural Barriers: The risk-averse nature of the travel industry slows AI adoption, requiring a cultural shift toward experimentation and learning from failures. 
• Future of AI: AI will reshape competition by enabling faster solution development, but businesses must ask smarter questions to maximize its value.

Key Takeaways

• The travel industry’s legacy systems are a bottleneck, unable to keep pace with digital-first customer expectations. 
• AI offers significant opportunities for operational efficiency and revenue growth, but its success depends on cultural openness to experimentation. 
• Businesses must prioritize value generation, with AI delivering measurable results like 5–10% revenue increases through dynamic pricing. 
• The human element—asking the right questions and fostering a learning culture—is critical to leveraging AI effectively. 
• Over the next five years, early AI adopters in travel will gain a competitive edge by solving complex problems faster.

Notable Quotes

• “We’re struggling with bringing together [customer] expectations with our older legacy landscapes.” – Alex Cruz 
• “AI is going to help us… digest many more pieces of information than standard old software or human beings were able to.” – Alex Cruz 
• “The big pressure is going to be on what questions are you asking? What is it that you really want?” – Alex Cruz

Actionable Insights for Businesses

1. Audit Legacy Systems: Assess outdated IT infrastructure and prioritize modernization to meet customer expectations and stay competitive. 
2. Experiment with AI: Start small with AI pilots for internal processes or pricing strategies, learning from failures to refine solutions. 
3. Foster a Learning Culture: Encourage teams to embrace risk-taking and experimentation to overcome the industry’s risk-averse mindset. 
4. Focus on Value: Ensure AI initiatives deliver clear ROI, such as cost savings or revenue increases, to secure stakeholder buy-in. 
5. Ask Smarter Questions: Train teams to define precise problems for AI to solve, maximizing the technology’s impact on business outcomes.

Resources

• LinkedIn: Follow Alex Cruz for insights on travel and technology. 
• Tech Show London: Learn about the event at techshowlondon.co.uk. 
• AI in Travel: Explore industry trends via IATA for airline technology advancements. 

The Cashflow Show can be reached here:
Website: www.thecashflowshowpodcast.com 

Email: thecashflowshowpodcast@gmail.com

Twitter: https://twitter.com/thecashflowshow 

Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com

Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] 
As an Amazon Associate I earn from qualifying purchases. 

“What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd

(c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved 

In this engaging episode of The Cashflow Show, host Clayton M. Coke is joined by Kitty McCormick, Head of Wealth at Santander UK, to explore the financial challenges and opportunities for the UK’s one million Self-Made high earners. Representing 14% of top earners, this group holds £40.7 billion in idle cash savings due to low financial confidence. Kitty discusses Santander’s push for government-backed financial education, the barriers faced by Self-Made individuals from lower socio-economic backgrounds, and how businesses and policymakers can empower this cohort for long-term financial success. 

Key Discussion Points

• Defining Self-Made: Self-Made individuals are top 20% UK earners from less privileged backgrounds, often entering work or apprenticeships (44%) rather than university (25%). 
• Idle Savings: The Self-Made hold £40,000 on average in cash reserves, totaling £40.7 billion, often due to a lack of financial literacy and confidence. 
• Barriers to Confidence: Only 52% of Self-Made individuals discussed money growing up, compared to 74% of other high earners, limiting their investment knowledge. 
• Financial Education Gap: Financial literacy is not mandated in UK schools or apprenticeships, creating a “lottery” for accessing financial knowledge. 
• Santander’s Advocacy: Santander calls for financial education in apprenticeship programs, Open Finance data to target Self-Made support, and a campaign to demystify investing. 
• Business Support: Santander’s Work Café initiative offers co-working spaces and events to support Self-Made entrepreneurs and professionals.

Key Takeaways

• The Self-Made cohort’s £40.7 billion in idle savings highlights a critical need for financial education to unlock economic growth. 
• A scarcity mindset and lack of early money conversations hinder Self-Made individuals from investing confidently. 
• Apprenticeships are a key entry point for Self-Made success, but they lack integrated financial literacy programs. 
• Santander’s push for government collaboration aims to democratize financial tools, ensuring background doesn’t limit opportunity. 
• Businesses can play a role by offering practical support like co-working spaces and tailored financial guidance for Self-Made employees and entrepreneurs.

Notable Quotes

• “Your background shouldn’t be a barrier to your future success.” – Kitty McCormick 
• “Confidence is rooted in knowledge and understanding… in safe spaces with articulate and helpful people.” – Kitty McCormick 
• “We’re not here to tell anybody what success looks like. We’re here to support them to achieve it as they define it.” – Kitty McCormick

Actionable Insights for Businesses

1. Integrate Financial Education: Partner with banks like Santander to offer financial literacy workshops for employees, especially those from non-traditional backgrounds. 
2. Support Apprenticeships: Embed financial planning modules in apprenticeship programs to empower Self-Made workers early in their careers. 
3. Create Safe Spaces: Foster open discussions about money to reduce stigma and build confidence among Self-Made employees. 
4. Leverage Open Finance: Use data-driven insights to tailor financial products or services for Self-Made clients, addressing their unique needs. 
5. Offer Practical Resources: Develop initiatives like Santander’s Work Café to provide co-working spaces and networking events for Self-Made entrepreneurs.

Resources

• Website: santander.co.uk – Access Santander’s research and financial tools. 
• Research Paper: Explore Santander’s Self-Made study at santander.co.uk. 
• Work Café: Learn about Santander’s co-working spaces at santander.co.uk/work-cafe. 
• Financial Education: Find resources on investing and pensions at santander.co.uk/personal/support/financial-education.

The Cashflow Show can be reached here:
Website: www.thecashflowshowpodcast.com 

Email: thecashflowshowpodcast@gmail.com

Twitter: https://twitter.com/thecashflowshow 

Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com

Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] 
As an Amazon Associate I earn from qualifying purchases. 

“What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd

(c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved 

In this fascinating episode of The Cashflow Show, host Clayton M. Coke is joined by Helen Hardy, founder of Foudy’s, the world’s only official football retailer dedicated to women’s football. Helen shares her journey from a theatre background to launching Foudy’s in 2020, driven by the lack of accessibility to women’s football jerseys. The episode dives into the groundbreaking Missing Shirt campaign, a retro England women’s kit honoring overlooked Lionesses from 1984 to 2019. With proceeds supporting grassroots women’s football, Helen discusses the commercial viability of women’s sports, the challenges of entrepreneurship, and the cultural significance of this symbolic jersey. 

Key Discussion Points

• Foudy’s Mission: Launched in 2020, Foudy’s aims to prove the commercial viability of women’s football by offering women’s jerseys 365 days a year, starting with WSL lettering rights. 
• The Missing Shirt Campaign: A retro England women’s kit, designed with artist Hattie Crowther, features a blank crest with “Unsupported. Unaffiliated.” and honors players from 1984–2019. 
• Historical Context: Pre-2019, England women’s players wore ill-fitting men’s kits, highlighting institutional barriers in women’s football. 
• Grassroots Support: Proceeds from The Missing Shirt fund grassroots women’s football to ensure future generations have resources and visibility. 
• Entrepreneurial Challenges: Helen overcame skepticism, secured Nike authentication, and rode the wave of women’s football’s growth, especially after England’s 2022 Euros win. 
• Business Growth: Foudy’s leverages The Missing Shirt to give back, not for profit, while leading global sales of Lioness shirts during the 2025 Euros.

Key Takeaways

• Women’s football has faced decades of underfunding and lack of proper kits, with The Missing Shirt symbolizing progress and past struggles. 
• Foudy’s success proves the commercial potential of women’s sports, with global interest surging post-2022 Euros. 
• Grassroots investment is critical to sustain women’s football’s growth across all levels of the pyramid. 
• Entrepreneurship requires optimism, iterative growth, and persistence, as shown by Helen’s journey from a bedroom startup to Nike’s 23rd authenticator. 
• Passion projects like The Missing Shirt can strengthen brand loyalty while driving social impact.

Notable Quotes

• “I wanted to evidence the commercial viability of women’s sports, of women’s football in particular.” – Helen Hardy 
• “We stand on the shoulders of historic Lionesses… this jersey represents the women of the past, present, and future.” – Helen Hardy 
• “Build from a tiny little idea up… iteration by iteration, and have eternal optimism in what you’re doing.” – Helen Hardy

Actionable Insights for Businesses

1. Identify Niche Markets: Like Foudy’s, target underserved markets (e.g., women’s sports) to build a loyal customer base and prove commercial viability. 
2. Leverage Storytelling: Use products like The Missing Shirt to tell compelling stories that connect with customers emotionally and culturally. 
3. Invest in Social Impact: Allocate proceeds to causes like grassroots sports to enhance brand purpose and community engagement. 
4. Embrace Iteration: Start small, as Helen did with 10 website items, and refine your business model through continuous improvement. 
5. Persist Through Skepticism: Maintain optimism and keep advocating for your vision, even when facing rejection, as Helen did with Nike.

Resources

• Website: foudys.com – Purchase The Missing Shirt and support women’s football. 
• Social Media: Follow Foudy’s on Instagram, Twitter & LinkedIn for updates and campaigns. 
• Grassroots Football: Learn about women’s football initiatives via The FA. 
• Nike Partnership: Explore Foudy’s authenticated products at foudys.com.

The Cashflow Show can be reached here:
Website: www.thecashflowshowpodcast.com 

Email: thecashflowshowpodcast@gmail.com

Twitter: https://twitter.com/thecashflowshow 

Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com

Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] 
As an Amazon Associate I earn from qualifying purchases. 

“What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd

(c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved 

In this insightful episode of The Cashflow Show Podcast, host Clayton M. Coke is joined by Claire Hawkins, Director of Corporate Affairs and Brand at Phoenix Group, to discuss the critical need for flexible working to support the UK’s 5.8 million unpaid carers. With 41% of working carers considering leaving their jobs due to inflexible policies, Claire highlights the risks to workforce stability, talent retention, and long-term financial security. The episode explores practical solutions, the role of leadership, and how businesses can adapt to modern demands to support carers and thrive.  

Key Discussion Points:

• Scale of the Issue: The 2021 census revealed 5.8 million unpaid carers in the UK, with half juggling work, and 41% (600 daily) at risk of leaving without flexible working.  
• Economic and Workforce Impact: Losing skilled carers leads to costly recruitment, reduced productivity, and a looming pension crisis, especially for those aged 50–65.  
• Right to Flexible Working: Employees can request flexible arrangements from day one, including part-time work, remote options, or informal adjustments like time off for caregiving.  
• Disconnect in Policies: Over a third of carers have had flexible working requests denied, highlighting a gap between policy and employee experience that harms employer reputation.  
• Modern Work Models: The traditional 9-to-5 model is outdated; businesses must redesign roles to accommodate caregiving and leverage remote work possibilities.  
• Leadership’s Role: Visible, proactive leadership is key to fostering a carer-friendly culture, with Phoenix Group’s “Phoenix Flex” initiative as a model for starting with flexibility as the default.

Key Takeaways:

• Without flexible working, businesses risk losing experienced talent, impacting productivity and increasing costs.  
• Carers, especially those in their 50s, face financial insecurity in retirement due to reduced earnings and pension savings.  
• Flexible working includes both formal (e.g., part-time schedules) and informal (e.g., short-term adjustments) arrangements tailored to carers’ needs.  
• The Carers Leave Act 2023, granting five days of unpaid leave, is a step forward, but broader cultural shifts are needed.  
• Leadership must model and advocate for flexibility to normalize caregiving in the workplace.

Notable Quotes:

• “If [carers] are not working today, they’re definitely not saving for tomorrow.” – Claire Hawkins  
• “Flexibility can come in many ways… it’s about suiting the changing needs of living with real life and caring responsibilities.” – Claire Hawkins  
• “Tone from the top really matters. Senior leaders cast a shadow… creating opportunities to share real lived examples is really important.” – Claire Hawkins

Actionable Insights for Businesses:

1. Adopt a Flexible-First Mindset: Start with the assumption that roles can be flexible, as seen in Phoenix Group’s “Phoenix Flex” approach, and justify why they cannot.  
2. Engage with Carers: Establish a carers network to normalize discussions about caregiving and share best practices among employees.  
3. Review Denial Rates: Audit flexible working request denials to identify gaps between policy and practice, ensuring reasonable requests are accommodated.  
4. Showcase Leadership: Encourage senior leaders to share their caregiving experiences to build a supportive culture and inspire change.  
5. Partner with Experts: Collaborate with organizations like Carers UK and Carers Trust to access resources and tailor policies for working carers.

Resources:

• Website: Phoenix Group – Learn about Phoenix’s carer-friendly initiatives and advocacy.  
• Carers UK: carersuk.org – Resources for carers and employers to support caregiving.  
• Carers Trust: carers.org – Tools and guidance for businesses to create carer-friendly workplaces.  
• Carers Leave Act 2023: Explore details on the UK government’s website for compliance and implementation.

The Cashflow Show can be reached here:
Website: www.thecashflowshowpodcast.com 

Email: thecashflowshowpodcast@gmail.com

Twitter: https://twitter.com/thecashflowshow 

Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com

Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] 
As an Amazon Associate I earn from qualifying purchases. 

“What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd

(c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved 

In Part 2 of this compelling episode of The Cashflow Show Podcast, host Clayton M. Coke sits down with Fiona Graham, Chief Operating Officer of Family Business UK, to explore the devastating impact of proposed inheritance tax reforms on family-owned businesses. Fiona shares her expertise on advocating for family businesses, the economic significance of the sector, and the urgent need for policy consultation to protect jobs and growth. From the potential loss of 208,000 jobs to a £1.9 billion fiscal hit to the Treasury, this episode uncovers the real consequences of these reforms and what can be done to address them.

Key Discussion Points:

• Role of Family Business UK: Founded nearly 25 years ago, Family Business UK supports family-owned businesses by addressing unique challenges like succession planning and family disputes while advocating for tailored policies.  
• Inheritance Tax Reforms: Proposed changes will scale back long-standing tax reliefs, leaving family businesses with significant tax bills upon an owner’s death, threatening their survival.  
• Economic Impact: The reforms could lead to 208,000 job losses, a £15 billion reduction in economic activity, and a £1.9 billion fiscal loss to the Treasury.  
• Advocacy Strategy: Fiona emphasizes the power of direct voices from family business owners in influencing policymakers and highlights the need for urgent consultation.  
• Mid-Sized Business Forum: A government-supported initiative to focus on the “missing middle” of mid-sized businesses, many of which are family-owned, to drive UK economic growth.  
• Economic Contribution: Family businesses contribute £422 billion in tax receipts to the UK Exchequer, underscoring their critical role in the economy.

Key Takeaways:

• Inheritance tax reforms pose a severe threat to family businesses, with no ability to plan for unexpected owner deaths.  
• The economic fallout includes significant job losses, reduced growth, and a net loss to the Treasury, making the policy counterproductive.  
• Policymakers need to hear directly from family business owners to understand the real-world impact of these changes.  
• Family businesses are the backbone of the UK economy, contributing substantially to tax receipts and local communities.  
• A lack of prior consultation with businesses has led to a short-sighted policy that requires urgent review.

Notable Quotes:

• “Nothing is as powerful as hearing directly from family business owners about how changes will affect them.” – Fiona Graham  
• “Family business is the backbone of the UK economy. It’s living, it’s breathing, and these people want to be around for generations more to come.” – Fiona Graham  
• “This policy fails on every account. It will hit jobs, it will damage growth, and ultimately it will bring in less tax.” – Fiona Graham

Actionable Insights for Businesses:

1. Engage with Policymakers: Contact your local MP to share how inheritance tax reforms could impact your business and community, using Family Business UK’s constituency-level data.  
2. Join Family Business UK: Become a member to access support, share challenges, and amplify your voice in policy discussions.  
3. Participate in Family Business Week: Celebrate and promote your business’s story during this November event to raise awareness of the sector’s importance.  
4. Review Succession Plans: Work with advisors to explore strategies that mitigate the impact of potential tax changes, despite uncertainties.  
5. Stay Informed: Visit familybusinessuk.org for updates and resources to navigate these reforms and advocate for change.

Resources:

• Website: familybusinessuk.org  
• LinkedIn: Follow Family Business UK for updates and insights.  
• Report: Access Family Business UK’s report on the economic impact of inheritance tax reforms at familybusinessuk.org.  
• Contact: Reach out to Family Business UK via their website to join or learn more about advocacy efforts.

The Cashflow Show can be reached here:
Website: www.thecashflowshowpodcast.com 

Email: thecashflowshowpodcast@gmail.com

Twitter: https://twitter.com/thecashflowshow 

Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com

Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] 
As an Amazon Associate I earn from qualifying purchases. 

“What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd

(c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved 

In this compelling episode of The Cashflow Show, host Clayton M. Coke sits down with Steve Rigby, co-CEO of Rigby Group PLC and Chair of Family Business UK, to unpack the alarming consequences of proposed inheritance tax reforms. With a new Family Business UK report predicting 208,000 job losses and a £15 billion drop in economic activity, Steve reveals why these changes threaten the backbone of the UK economy—family businesses. From their critical role in regional economies to strategies for resilience, this episode is a must-listen for business owners and policymakers navigating an uncertain future.

Key Discussion Points: 

• Rigby Group & Family Business UK: Steve shares insights into Rigby Group’s 50-year legacy as a second-generation tech business and his role as Chair of Family Business UK, advocating for the sector’s 4.7 million jobs and £985 billion economic contribution in 2023. 
• Inheritance Tax Reforms: A Family Business UK and CBI Economics survey of 4,000 businesses highlights the devastating impact of proposed changes to business property relief (BPR) and agricultural property relief (APR), projecting 208,000 job losses and £15 billion in economic losses. 
• Regional Impact: The reforms disproportionately affect regions like Cornwall and the Northeast, where family businesses are major employers in economically challenged areas. 
• Anti-Growth Measures: Steve discusses how the reforms force businesses to plan for uncertain tax liabilities, stifling investment, acquisitions, and job creation. 
• Sector-Specific Effects: Industries like construction, hospitality, and retail face significant risks, with businesses hoarding cash due to economic uncertainty. 
• Resilience Strategies: Steve emphasizes the importance of family businesses communicating internally and leveraging networks like Family Business UK to navigate these challenges.

Key Takeaways: 

• Family businesses, contributing £985 billion to the UK economy in 2023, are vital to national and regional prosperity but face existential threats from inheritance tax reforms. 
• The proposed changes to BPR and APR could lead to a £15 billion economic hit and 208,000 job losses, particularly in vulnerable regions like Cornwall and the Northeast. 
• Businesses are forced into anti-growth measures, saving cash to cover future tax liabilities instead of investing in growth, acquisitions, or hiring. 
• Family businesses must engage in proactive communication and leverage networks to build resilience against policy changes. 
• The government’s lack of impact analysis on these reforms underscores the need for business leaders to advocate for change, as highlighted by Family Business UK’s comprehensive report.

Notable Quotes: 

• “Family businesses are the middle lane of the economy—they think in decades, not quarters, and that long-term perspective is critical.” – Steve Rigby 
• “This legislation captures the wealth creators of the country, and at a time when growth is on the agenda, it’s an anti-growth measure.” – Steve Rigby 
• “Stand up and be counted. We need more business leaders talking to government about the importance of our regions.” – Steve Rigby

Actionable Insights for Businesses: 

1. Review Tax Exposure: Assess your business’s vulnerability to inheritance tax changes, especially if assets exceed £1 million, and plan for potential liabilities. 
2. Engage in Advocacy: Join organizations like Family Business UK to amplify your voice and influence policy changes through collective action. 
3. Strengthen Internal Communication: Establish a steering group within your family business to discuss succession planning and tax mitigation strategies. 
4. Leverage Networks: Tap into entrepreneurial networks like Family Business UK or The Entrepreneurs Network for resources, support, and collaborative solutions. 
5. Stay Informed: Download the Family Business UK report to understand the regional and sector-specific impacts of the reforms and prepare accordingly.

Resources: 

• Family Business UK Report: FBUK Website – Download the full report for MP-by-MP breakdowns and economic impact details. 
• Rigby Group PLC: Rigby Group Website – Learn more about their 50-year legacy in technology. 
• The Entrepreneurs Network: TEN Website – Connect with resources for business growth and resilience. 
• CBI Economics: CBI Website – Explore their economic research and advocacy efforts.

The Cashflow Show can be reached here:
Website: www.thecashflowshowpodcast.com 

Email: thecashflowshowpodcast@gmail.com

Twitter: https://twitter.com/thecashflowshow 

Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com

Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] 
As an Amazon Associate I earn from qualifying purchases. 

“What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd

(c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved 

Episode Summary:
In this episode of The Cashflow Show, host Clayton M. Coke welcomes Eric Johnson, CEO of SurveyMonkey, to discuss the growing distrust of AI among UK business leaders and the launch of SurveyMonkey’s Trust Centre. With 81% of UK leaders sceptical about AI’s decision-making and 79% concerned about biased outcomes, Eric shares insights from a recent SurveyMonkey report highlighting data privacy challenges, GDPR compliance gaps, and the evolving role of AI in security. Learn how businesses can navigate these issues, leverage transparency as a competitive advantage, and use the Trust Centre to strengthen data protection strategies.

Key Discussion Points: 

• AI Distrust in the UK: 81% of UK business leaders doubt AI’s ability to make fully informed decisions, and 79% fear biased or unethical outcomes, reflecting widespread concerns about AI reliability. 
• GDPR Compliance Gaps: Despite 95% of businesses believing they meet GDPR requirements, over half have faced data breaches, and 34% have received fines or warnings since GDPR’s introduction in 2018. 
• SurveyMonkey Trust Centre: Launched to provide transparency on data usage, security protocols, and compliance (e.g., GDPR, ISO 27001), the Trust Centre aims to guide businesses in navigating data privacy. 
• Budget Constraints for Small Businesses: 33% of small firms cite limited budgets as a barrier to improving security, highlighting the need for cost-effective solutions. 
• AI’s Role in Security: AI is evolving from monitoring tools to proactive agents that can enhance data security, offering potential benefits despite current skepticism. 
• Transparency as a Competitive Edge: Clear, accessible documentation on data handling can build trust and differentiate brands in a privacy-conscious market.

Key Takeaways: 

• Compliance with GDPR is a baseline, but ongoing monitoring and investment are critical to avoid breaches and fines. 
• AI can be a powerful tool for enhancing data security, but businesses must prioritize transparency to address distrust. 
• The SurveyMonkey Trust Centre offers a model for businesses to share privacy practices, fostering trust with customers and partners. 
• Small businesses can leverage affordable AI-driven tools to monitor and improve data security without significant investment.

Notable Quotes: 

• “Compliance with GDPR does not mean you’re totally safe. It means it’s the baseline now, and we need to keep thinking about how to protect.” – Eric Johnson 
• “Being transparent is the best thing for the customer, which should be the best thing for the company.” – Eric Johnson 
• “AI will get to a place where it can take action against [security threats] as an agent working on the security side.” – Eric Johnson

Actionable Insights for Businesses: 

1. Start with Compliance: Ensure GDPR compliance to avoid fines and penalties, using resources like SurveyMonkey’s Trust Centre for guidance. 
2. Prioritize Transparency: Publicize data usage and privacy practices to build trust with customers, potentially gaining a competitive edge. 
3. Integrate Security Early: When upgrading legacy systems, embed data privacy and security from the start to save costs and reduce risks long-term. 
4. Leverage AI Tools: Explore affordable AI-driven security solutions that monitor and report threats, especially for small businesses with limited budgets. 
5. Monitor Continuously: Moverobot: Avoid the “set it and forget it” mentality by regularly reviewing and updating data security practices to stay ahead of evolving threats.

Resources: 

• SurveyMonkey Trust Centre: www.surveymonkey.com/learn
• SurveyMonkey Report on AI and Data Privacy: Available via the Trust Centre. 
• Listen to The Cashflow Show for more business insights.

The Cashflow Show can be reached here:
Website: www.thecashflowshowpodcast.com 

Email: thecashflowshowpodcast@gmail.com

Twitter: https://twitter.com/thecashflowshow 

Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com

Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] 
As an Amazon Associate I earn from qualifying purchases. 

“What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd

(c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved 

Episode Summary:
In this episode of The Cashflow Show Podcast, host Clayton M. Coke sits down with Will Scott, Real Estate Disputes Partner at Irwin Mitchell, to explore the resurgence of office demand as UK businesses adapt to staff returning to the workplace. With 45% of UK businesses planning to expand office space in the next 12-18 months, Will unpacks the drivers behind this trend, the challenges of limited Grade A office supply, and the strategic considerations for corporate occupiers. From hybrid working to cost pressures and environmental goals, this episode offers actionable insights for business leaders navigating the evolving commercial property landscape.

Key Discussion Points: 

• Return-to-Office Trends: 72% of surveyed businesses report increased office attendance, with 74% expecting further rises in the next 12-18 months, driven by the need for collaboration and social capital. 
• Office Space Demand: 45% of UK businesses plan to expand office space, but 49% prefer reconfiguring existing spaces due to high relocation costs. 
• Post-Pandemic Lessons: 64% of businesses admit to over-downsizing during COVID-19, highlighting the need for strategic, long-term property planning. 
• Hybrid Working Challenges: Younger employees accustomed to remote work need incentives like flexible hours, better amenities, and inclusive environments to return to the office. 
• Sustainability and Costs: Businesses face a shortage of environmentally friendly, BREAM-certified office spaces, with rising costs posing barriers to office alterations. 
• HR and Property Strategy Alignment: Integrating HR and property strategies is critical to designing workspaces that boost engagement and retention.

Key Takeaways: 

• Corporate occupiers are prioritizing collaboration and brand identity, driving the return-to-office movement. 
• Reconfiguring existing office spaces is often more cost-effective than relocating, but businesses must plan for hybrid working needs. 
• A clear property strategy aligned with business goals is essential to navigate rising costs and limited supply. 
• Incentivizing employees with flexible hours, improved IT, and inclusive environments can boost office attendance.

Notable Quotes: 

• “It’s by being together that you can really drive your brand and drive your profit.” – Will Scott 
• “The key for all corporate occupiers is strategy. The strategy must be driven by the business needs.” – Will Scott 
• “One of the best things you can do is take a breath and step back… don’t make any big decision now because you don’t know what it’s going to be in the future.” – Will Scott

Actionable Insights for Businesses: 

1. Develop a Property Strategy: Assess your business’s long-term needs (e.g., hybrid or flexible working) and evaluate whether your current space can adapt or if relocation is necessary. 
2. Align HR and Property Goals: Collaborate with HR to design workspaces that support employee engagement, retention, and new working practices like collaboration and quiet zones. 
3. Explore Cost-Effective Solutions: Consider reconfiguring existing spaces to accommodate hybrid working rather than incurring high relocation costs. 
4. Incentivize Office Attendance: Offer flexible hours, free amenities (e.g., breakfast), and inclusive environments to encourage employees, especially younger workers, to return. 
5. Prioritize Sustainability: Explore ESG-related financing options to fund environmentally friendly office upgrades, potentially securing lower interest rates.

Resources: 

• Full Irwin Mitchell Corporate Occupiers Report: www.irwinmitchell.com
• Connect with Will Scott: Contact details available in the report. 
• Listen to The Cashflow Show Podcast for more business insights.

The Cashflow Show can be reached here:
Website: www.thecashflowshowpodcast.com 

Email: thecashflowshowpodcast@gmail.com

Twitter: https://twitter.com/thecashflowshow 

Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com

Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] 
As an Amazon Associate I earn from qualifying purchases. 

“What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd

(c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved 

Episode Summary:
In this vibrant episode of The Cashflow Show, host Clayton M. Coke is joined by Kelly Wolgamott, Vice President of Pure Michigan, to explore why Michigan is a top destination for UK travellers. From Detroit’s Motown legacy and professional sports to natural wonders like the Great Lakes and Mackinac Island, Kelly highlights Michigan’s cultural, culinary, and tourism offerings. She discusses how businesses are adapting to sports tourism trends and the state’s economic impact, inviting Brits to experience Michigan’s unique charm.

Key Discussion Points: 

• Michigan’s Cultural Icons: Detroit, birthplace of Motown, hosts legends like Stevie Wonder and Diana Ross, with the Motown Museum as a key attraction. 
• Sports Tourism Boom: 48% of Brits travel for live sports, and Detroit’s walkable downtown offers four major league teams (NFL, NBA, NHL, MLB). 
• Natural Beauty: Michigan boasts 5,200 km of Great Lakes coastline, Mackinac Island’s car-free charm, and Northern Lights viewing opportunities. 
• Culinary and Agricultural Strength: As the second most agriculturally diverse state, Michigan’s farm-to-table scene and Traverse City’s wine industry attract top chefs. 
• Hospitality Readiness: Michigan’s tourism industry, generating $53.2B in 2023, is primed for international visitors with boutique and chain hotels. 
• Accessibility: Direct flights from London and a new Dublin-Detroit route (starting May 8, 2025) make Michigan easy to reach. 
• Emerging Soccer Scene: Detroit Football Club and Grand Rapids’ new professional soccer team cater to UK soccer fans.

Key Takeaways:

• Michigan’s blend of cultural heritage, sports, and natural beauty makes it a compelling destination for UK travelers. 
• The state’s hospitality industry is well-equipped to welcome sports tourists, boosting local economies with $1.4B in tax revenue from Detroit alone. 
• Michigan’s culinary diversity and accessibility enhance its appeal as a unique, non-cookie-cutter travel experience. 
• Businesses are capitalizing on tourism trends, offering tailored experiences for international visitors.

Notable Quotes: 

• “Detroit is the largest city in Michigan… well known as the home of Motown.” — Kelly Wolgamott 
• “Tourism is an economic driver for Michigan… supporting more than 120,000 jobs in Detroit alone.” — Kelly Wolgamott 
• “Michigan is a step back in time with incredible resort and boutique hotel opportunities.” — Kelly Wolgamott

Actionable Insights for Businesses: 

• Tap into Sports Tourism: Offer packages or promotions tied to Detroit’s professional sports events or college games to attract UK visitors. 
• Highlight Unique Experiences: Market boutique hotels, local cuisine, or cultural attractions like the Motown Museum to stand out from generic offerings. 
• Leverage Digital Platforms: Use michigan.org and social media to promote tailored itineraries for international travelers, emphasizing accessibility. 
• Collaborate Locally: Partner with tourism boards like Pure Michigan to align with events like the NFL Draft or techno festivals, boosting visibility.

Resources: 

• Explore trip ideas and itineraries at michigan.org. 
• Follow Pure Michigan on Facebook and Instagram for updates. 
• Learn about Detroit’s tourism impact at visitdetroit.com.

The Cashflow Show can be reached here:
Website: www.thecashflowshowpodcast.com 

Email: thecashflowshowpodcast@gmail.com

Twitter: https://twitter.com/thecashflowshow 

Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com

Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] 
As an Amazon Associate I earn from qualifying purchases. 

“What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd

(c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved 

Episode Summary:
In this episode of The Cashflow Show, host Clayton M. Coke is joined by Emma Carr, Partner and Trade Law Specialist at Gowling WLG, to explore the impact of tariff disruptions, particularly under the Trump administration’s trade policies. Emma discusses how sectors like fast-moving consumer goods, retail, and manufacturing are vulnerable due to tight margins and fixed pricing. She offers practical advice on contract reviews, supply chain audits, and communication to mitigate risks, with a focus on Northern Ireland’s unique challenges. Emma also highlights how businesses can leverage legal expertise to future-proof against trade uncertainties.

Key Discussion Points: 

• Tariff Impacts: Fast-moving consumer goods, retail, and manufacturing face cost shocks from tariffs due to volume-driven models and fixed pricing. 
• Sector Vulnerabilities: These industries lack flexibility to absorb or pass on tariff costs, risking profitability and production delays. 
• Contract Preparedness: Businesses often neglect contracts until disputes arise, leaving them unprepared for tariff-driven changes. 
• Proactive Steps: Review contracts for clauses like force majeure or price adjustments, conduct supply chain audits, and diversify suppliers. 
• Northern Ireland’s Challenges: Caught between UK and EU rules, Northern Irish businesses in agriculture, manufacturing, and tech face tariff uncertainty. 
• Communication Strategy: Early dialogue with suppliers and customers can help share risks and adapt terms before crises hit. 
• Future-Proofing: Include tariff-specific clauses in new contracts to anticipate trade disruptions and regulatory changes.

Key Takeaways: 

• Tariffs disrupt industries with tight margins, requiring proactive contract and supply chain management to mitigate risks. 
• Northern Ireland’s unique position amplifies tariff challenges, demanding clarity on product origins and trade routes. 
• Open communication and flexible contract clauses are critical to navigating trade uncertainties. 
• Legal expertise, like Gowling WLG’s, can help businesses reset contracts and prepare for ongoing trade volatility.

Notable Quotes: 

• “Fast-moving consumer goods, retail, and manufacturing rely on predictability… tariffs throw a lot of unpredictability into the mix.” — Emma Carr 
• “Pen and jaw is often better than all-out war. Open those lines of communication now and start talking.” — Emma Carr 
• “The idea of sitting and doing nothing and just hoping for the best is not really a strategy.” — Emma Carr

Actionable Insights for Businesses:

• Review Contracts: Dust off supplier and customer agreements to check for tariff-related clauses, renegotiation options, or termination rights. 
• Audit Supply Chains: Map critical goods and suppliers to identify exposure to tariff-prone regions like the US or China, and diversify where possible. 
• Communicate Early: Engage suppliers and customers now to agree on cost-sharing or flexible terms to handle tariff impacts. 
• Leverage Legal Expertise: Work with firms like Gowling WLG to draft tariff-resilient contracts and access resources like ThinkHouse for in-house counsel.

Resources: 

• Visit gowlingwlg.com for articles and information on trade law and dispute resolution. 
• Sign up for Gowling WLG’s ThinkHouse program at gowlingwlg.com/en/thinkhouse for free seminars and resources. 
• Explore UK trade guidance at gov.uk/business-and-industry/trade-and-investment.

The Cashflow Show can be reached here:
Website: www.thecashflowshowpodcast.com 

Email: thecashflowshowpodcast@gmail.com

Twitter: https://twitter.com/thecashflowshow 

Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com

Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] 
As an Amazon Associate I earn from qualifying purchases. 

“What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd

(c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved 

Episode Summary:

In this episode of The Cashflow Show, host Clayton M. Coke is joined by Tim Ayling, Vice-President of Cybersecurity Solutions, EMEA at Thales UK, to unpack the 2025 Imperva Bad Bot Report, which reveals bots now account for 51% of internet traffic. Tim explains what bots are, how AI makes them more dangerous, and their impact on industries like travel and SMEs. From polymorphic bots to denial-of-service attacks, he shares how Thales counters these threats and offers practical steps for businesses to stay secure in an AI-driven cyber landscape.

Key Discussion Points: 

• Bot Traffic Surge: The 2025 Imperva report shows bots make up 51% of internet activity, surpassing human traffic, with 37% being malicious (up from 32% in 2023). 
• What Are Bots?: Bots are automated code; while one-third are beneficial (e.g., Siri, WHO’s COVID bot), malicious bots target account takeovers and denial-of-service attacks. 
• AI’s Role: AI simplifies bot creation (e.g., for scalping Oasis tickets) and enables polymorphic bots that regenerate to bypass defenses. 
• Targeted Sectors: Travel, especially airlines, faces bot-driven ticket scalping, while SMEs are vulnerable but less targeted than banks or large firms. 
• Nation-State Threats: Organized crime and nation-states use bots for cyberattacks, with heightened activity amid global tensions. 
• SME Protections: Basic solutions like CAPTCHA and two-factor authentication help, while Thales offers advanced tools like web application firewalls and API security. 
• Future Outlook: AI-driven bots will grow more sophisticated, challenging cybersecurity vendors to keep pace over the next 2-5 years.

Key Takeaways: 

• Bots, empowered by AI, are a growing cybersecurity threat, with malicious bots driving significant risks like account takeovers and website crashes. 
• SMEs need affordable, basic protections like CAPTCHA, while larger firms require advanced solutions to counter polymorphic bots. 
• Two-factor authentication is a simple, effective defense for individuals and businesses against bot-driven account attacks. 
• The travel industry and APIs are prime targets, requiring specialized security to protect online operations.

Notable Quotes: 

• “A bot is just a small bit of code that can automate anything online… about a third of bots are actually good bots.” — Tim Ayling 
• “AI allows bots to learn when they don’t work… they regenerate themselves to find a way past defenses.” — Tim Ayling 
• “It’s a bit like Skynet right now… we’re using AI to attack the AI that’s coming in from the bad guys.” — Tim Ayling

Actionable Insights for Businesses: 

• Implement Basic Defenses: Enable two-factor authentication and CAPTCHA on websites to block basic bot attacks, especially for SMEs. 
• Explore SME Solutions: Research affordable cybersecurity providers offering bot protection, such as those integrated with AWS or similar platforms. 
• Secure APIs: If your business relies on online applications, invest in API security to protect against bot-driven data breaches. 
• Stay Informed: Download the 2025 Imperva Bad Bot Report to understand bot risks and tailor your cybersecurity strategy accordingly

Resources: 

• Download the 2025 Imperva Bad Bot Report via imperva.com (search “2025 Bad Bot Report”). 
• Visit thalesgroup.com for details on Thales’ application security and bot protection solutions. 
• Learn about two-factor authentication at cybersecurity.gov.uk.

The Cashflow Show can be reached here:
Website: www.thecashflowshowpodcast.com 

Email: thecashflowshowpodcast@gmail.com

Twitter: https://twitter.com/thecashflowshow 

Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com

Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] 
As an Amazon Associate I earn from qualifying purchases. 

“What are YOU like?” & “60 Second Shoot-out” are both intellectual properties of Dialogue [London] Ltd

(c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved