It’s Monday; which means it’s time to stretch your money mindset on Money Mondays with Xoli Zondo and Thuli Magubane. This week, we’re talking about something that quietly powers a huge part of South Africa’s economy: small businesses.

From the corner spaza shop to the neighbourhood barber, from the baker selling cakes on weekends to the friend running an online clothing store; small businesses are everywhere. They create jobs, they solve everyday problems, and for many people they’re the first step toward financial independence.

But here’s the question: what actually counts as a small business? When does a hustle become a business... and when does the taxman enter the chat?