
You can earn more every year, watch your bank balance grow, and still end up worse off. That’s what inflation does when nobody is paying attention. The number on your payslip goes up, but what that money can actually...


education
Hosted by Martin Kotze and Ruan Lubbe · education · EN
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 moneyOur aim is simple:to help take the fear out of money and replace it with clarity, wisdom, and hope
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Contact path
Verified email
Booking probability
29%
Guest openness
Selective
Sign up to generate a grounded pitch for Understanding Money.
Signup to Generate a PitchHi, 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.
Understanding Money is hosted by Martin Kotze and Ruan Lubbe. The show has published 15 episodes to date.
Recent episodes include "Your Money Is Losing Value (And What To Do About It) | UM Ep 16" (27 October 2026, 12 minutes), "Why Are You Chasing More Money? | UM Ep 14" (29 September 2026, 21 minutes), and "From Hopeless to Debt Free: A Real South African's Story | UM Ep 13" (15 September 2026, 58 minutes).
Understanding Money publishes roughly every two weeks, with episodes averaging 20 minutes across 15 episodes.
Booking probability for Understanding Money is 29%, and the host is rated Selective on guests. Understanding Money requires a Pod Score of 80 or higher. Understanding Money's contact route on record: verified email.
The strongest fits for Understanding Money are Lending & Credit Cards and Insurance Agencies & Brokers. Understanding Money has an education audience.
Martin Kotze and Ruan Lubbe hosts Understanding Money, an education podcast with 15 episodes published.
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You can earn more every year, watch your bank balance grow, and still end up worse off. That’s what inflation does when nobody is paying attention. The number on your payslip goes up, but what that money can actually...

Episode #14
We talk a lot about budgeting, debt, and saving on this show. This week we're pausing on the practical stuff to ask a bigger question: why do you actually want money in the first place? Because "financial freedom" is a...

This week we're doing something different. Instead of just talking principles, we're sitting down with Petri, an ordinary South African who lived them. He takes us through how he ended up hundreds of thousands of rands...

Understanding Money
Sipho and Gina bring home R50,000 a month between them. On paper that sounds comfortable. In reality, every month there's more month than money left, and they're stuck wondering why. In this episode we take everything...

Debt doesn't just steal your money, it steals your future income. Every payment you make today is money you've already earned tomorrow, and that's exactly why it feels so heavy. In this episode we break down how to...

The average South African in debt counselling is spending 68% of their take-home pay just to service debt. That's before petrol, groceries, or anything else. If you've ever felt like your income disappears before the...

Betting companies are some of the richest companies in the room. If gambling made regular people rich, how would that be possible? In this episode, Martin and Ruan break down why betting, sports gambling and the lottery...

Johan earns R34,000 a month, has no debt, and pays his own way. On paper, he's doing fine. So why does he have nothing saved at 34? In this episode, we build a real budget for a real South African, line by line, and...

Budgeting is supposed to be the foundation everything else gets built on, but most people give up on it within the first few months. In this episode, we go through the most common reasons budgets fall apart and what you...

Most people don't fail at budgeting because they're bad with money. They fail because their system is built on perfection instead of awareness. In this episode, we walk you through exactly how to build a budget that...

Most people don't hate money, they hate not knowing where it went. In this episode, Martin and Ruan unpack the most important financial stewardship tool you'll ever use: the budget. Not as a restriction, but as a plan...

You've created margin. Now what? Most people's instinct is to throw money at the market — but that's not the next step. In this episode, Martin and Ruan walk you through the practical, intentional steps to go from...

Money is 80% behaviour — and this episode is about changing yours. In Episode 3 of Understanding Money, Martin and Ruan get into the nitty-gritty of how to actually create financial margin in your life. Last week, we...

You've had the raise. You've had the promotion. So why does it still feel like there's nothing left? In this episode, we break down the one thing that separates people who build wealth from people who just earn money —...

Money stress isn't about how much you earn — it's about what's going on underneath. In this first episode of Understanding Money, Martin and Ruan unpack the 4 root causes behind financial anxiety.This isn't another...
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