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Katie McManus, a business strategist and money-mindset coach, argues that new business owners—especially those without significant startup capital—should begin with one-on-one offers because they are fast to launch, easy to iterate, and the quickest path to cash. She illustrates this with her own niche shifts (dating coach → executive leadership → business coaching) and warns that group programs and digital products often fail without market testing and revenue from one-on-one work. Her practical guidance: build a solid one-on-one offer, iterate one change at a time based on client feedback and sales calls, reach a full-time income and a reasonable email list first, then experiment with groups.

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