Debt is everywhere, from mortgages to paying for lunch. But when is it useful, and when does it become a problem?

In this bonus clip from Shared Lunch, Luke Kemeys of Keep the Change breaks down the good and bad sides of debt. He explains why borrowing can be a powerful tool for building wealth, how everyday debt can quietly eat into your cash flow, and why keeping some cash aside matters when life doesn’t go to plan.

Plus, Luke looks at the relationship between debt and investing—and why understanding how your money is structured can sometimes matter more than chasing a better return.

This clip is a bonus from our previous episode ‘Are we too afraid to be ambitious?’

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