Understanding Money

About Understanding Money

Hi, we’re Martin and Ruan. We believe money should be a tool, not a source of fear, shame, or confusion. That is why we started this channel: to help people understand money, make wise decisions, and remember there is hope for the future. On this channel, we share: • practical money principles • honest insight into financial struggles • guidance toward peace and margin • simple, purposeful conversations about money Our aim is simple: to help take the fear out of money and replace it with clarity, wisdom, and hope

Publisher

Martin Kotze and Ruan Lubbe

Category

education

Language

en

Explicit

No

First episode

31 Mar 2026

Latest episode

13 Oct 2026

Latest episodes

4 of 15 episodes have a transcript.

1. 

   13 Oct 2026TRANSCRIPT

   Saving vs Investing: Why You Need Both (and When to Do Which) | UM Ep. 15

   Host [Host Name] explains the distinct roles of saving and investing, guiding listeners on when to prioritize each for financial security and growth.

2. 

   29 Sept 2026TRANSCRIPT

   Why Are You Chasing More Money? | UM Ep 14

   Host Martin and Host Ruan explore the true motivations behind the pursuit of money, revealing that permission to spend often trumps financial freedom.

3. 

   15 Sept 2026TRANSCRIPT

   From Hopeless to Debt Free: A Real South African's Story | UM Ep 13

   Host [Host Name] interviews Petri, a South African, about his journey from deep debt to financial freedom, offering practical steps for listeners.

4. 

   1 Sept 2026TRANSCRIPT

   How a Married Couple Paid off R322 000 of Debt | UM Ep 12

   Sipho and Gina reveal how they strategically paid off R322,000 in debt by uncovering hidden cash and implementing effective budgeting tactics.

5. 

   18 Aug 2026

   2 Methods & 6 Tactics to Pay Off your Debt Quicker | UM Ep 11

   Host [Host Name] explores two debt payoff methods and six tactics to accelerate financial freedom in this interview episode.

6. 

   4 Aug 2026

   What No One Explained to You About Debt | UM Ep 10

   Host [Host Name] explains how debt claims your future income and debunks the myth of "good debt," offering insights into managing financial obligations.

7. 

   21 Jul 2026

   When is it financially OK to bet? | UM Ep 9

   Hosts Martin and Ruan explain why betting and gambling are never sound wealth-building strategies, revealing the true opportunity cost of chasing quick riches.

8. 

   7 Jul 2026

   Why a Great Income doesn't mean Great Wealth - Budget Walkthrough | UM Ep 8

   Host [Host Name] interviews Johan, a South African earning R34,000 monthly, to dissect his budget and reveal why a good income doesn't guarantee wealth.

9. 

   23 Jun 2026

   6 Reasons You Struggle to Budget | UM Ep 7

   Host [Host Name] explores six common budgeting pitfalls and offers actionable strategies for listeners to create a sustainable financial plan.

10. 

    9 Jun 2026

    How To Build A Budget From Scratch — Step By Step | UM Ep 6

    Host [Host Name] guides listeners through building a practical, step-by-step budget focusing on awareness over perfection for financial success.

11. 

    26 May 2026

    Why your MONEY is DISAPPEARING - The Fundamentals of Budgeting | UM Ep 5

    Host Martin and guest Ruan explain how a zero-based budget empowers listeners to control their finances and understand where their money goes.

12. 

    12 May 2026

    Why You Should NOT Invest Yet: The Stability Roadmap for South Africans | UM Ep.4

    Host Martin and guest Ruan explain the crucial steps for South Africans to build generational wealth before investing, offering a clear roadmap to financial stability.

13. 

    28 Apr 2026

    How to Actually Create Financial Margin (Practical Steps That Work) | UM EP 3

    Host Martin and guest Ruan discuss practical strategies for increasing income and reducing expenses to create financial margin in this interview episode.

14. 

    14 Apr 2026

    Why Earning More Won't Solve Your Money Problems | UM EP 2

    Host [Host Name] explores how building financial margin, not just earning more, separates wealth builders from those who simply earn money.

15. 

    31 Mar 2026

    4 Reasons You're Anxious About Money (And How To Fix It) | UM EP 1

    Host Martin and Host Ruan explore four root causes of financial anxiety, offering practical insights to build hope and choice.

Inside a recent episode

Saving vs Investing: Why You Need Both (and When to Do Which) | UM Ep. 15

Published 13 Oct 2026 · Transcript excerpt

[…] So let's think about it this way. Savings give you stability. Investments gives you growth. Savings are there for when something goes wrong and investments are used to build something bigger. That's why we need both. I like to think about it in two different buckets. You have your savings bucket, which says I want to be prepared. And you have your investment bucket, which says I want to build and grow. You need both because life is unpredictable. You might lose your job. You'll probably need some repairs on your car. The roof might leak. Something might happen to your kids. There might be a health emergency. […]

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

Spotify

4.7 / 5

3 ratings

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Guest appearances

Does not typically book guests

Based on episode analysis; this does not confirm that the show is currently accepting guests.

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