Understanding Money

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 show exactly where his money is going and where it should be going instead. This isn't about restriction. It's about giving every rand a job. Chapters: 00:00 Intro 01:15 Me...

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 can actually do differently so yours sticks. Got a money question you'd like us to cover on the show? Send it to info.understandingmoney@gmail.com Find everything else we do he...

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 works in real life, step by step, no fluff. We cover how to choose the right start date for your budget, why you should always budget off your minimum viable income (not your b...

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. They walk through what a budget actually is, why it's so emotionally charged, and how a zero-based approach gives every rand a job before the month even starts. If you&#...

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 financial breathing room to genuine, generational wealth. No noise, no hype, just a clear plan. 📩 Got a money question? Send it to info.understandingmoney@gmail.com 🔗 More...

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 covered why margin matters. This week, we get tactical. Whether you're living month to month, drowning in debt, or just trying to build an emergency fund — this episode is for you...

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 — and it's simpler than you think. 🔗 Connect with us: https://linktr.ee/understanding_money 📩 Got a money question? We'd love to hear from you: info.understandingmoney@gmail.com Cha...

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 get-rich-quick podcast. It's 20 minutes of honest, practical conversation about stewarding your money well — so you can build margin, choice, and real hope for the future.💬 Which of t...