This week we learned that New Zealand's gross debt is $571.04 billion, or $115,000 a head.
That's about 16 per cent higher than it was three years ago when the NZ Herald started its tally.
So we talked to Amanda Morrall about debt on a household level - how much is too much? And what kind of debt should we avoid?
LISTEN TO THE FULL DISCUSSION WITH THE WEEKEND COLLECTIVE ABOVE