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Each week Doug Hoyes talks to industry experts about debt, money, and personal finance. Don't be confused; listen as the guest experts cut through the jargon and share practical advice.
Credit card insurance is often presented as an easy way to protect yourself, but the details can be more complex than they appear. We break...
Most Canadians trust their bank to help them make smart financial decisions. But sometimes, what feels like advice is shaped by something el...
A high score does not always indicate stable finances. It is possible to keep up with most of your bills and maintain a decent credit score...
When rent takes up too much of your income, debt often follows, not because of overspending, but because the numbers no longer work. Many Ca...
Owing money to the CRA can feel urgent, and taking out a loan might seem like the fastest way to fix it. But in many cases, it can make your...
Installment loans are often marketed as a safer alternative to payday loans because payments are predictable and structured. However, fixed...
Tax issues are not just about deductions. They come down to timing, habits, and the small decisions that add up over the year. This episode...
Many Canadians worry that they started saving for retirement too late. The numbers can feel discouraging, especially if debt, minimum paymen...
Financial advice is everywhere online. Some of it is mathematically correct, but that does not mean it is right for your situation. Popular...
In this milestone episode, Doug Hoyes and Ted Michalos discuss the biggest myths about debt that refuse to die, the one behaviour that most...
Owning a home is supposed to bring stability, but for many Canadian households, the numbers are getting harder to manage. Mortgage renewals...
The numbers tell a story of deferred pressure. Consumer insolvency filings in Ontario were essentially flat in 2025, but our latest Joe Debt...
Some Canadians are waking up to a surprise: reduced credit limits, frozen lines of credit, or cancelled credit cards…even with solid credit...
Behind on bills and not sure where to start? If money is tight and payments are stacking up, this episode gives you a clear starting point....
Millions of Canadian mortgages taken out at ultra-low rates between 2020 and 2022 are now coming up for renewal – at much higher rates. That...
More and more high-income Canadians are finding themselves under financial pressure. Doug Hoyes and Ted Michalos examine the shift they are...
Financial planning doesn't have to start with investing or retirement, and it doesn't require everything to be "under control" first. This i...
David Chilton, author of The Wealthy Barber and one of Canada's most influential voices on personal finance, joins Doug Hoyes on Debt Free i...
Debt is at record highs, yet insolvencies are flat. Why? In this episode of Debt Free in 30, Licensed Insolvency Trustees Doug Hoyes and Ted...
If you're carrying serious debt but also have money in an RRSP, TFSA, or other investments, one of the biggest fears is this: Will I lose ev...
Debt collectors are contacting Canadians more than ever. In this episode, Doug Hoyes and Ted Michalos explain why activity is increasing, wh...
Start investing because your numbers say "go," not because the internet says "now." This episode will remove the guesswork from entering the...
With housing costs, student loans, and everyday expenses skyrocketing, more young adults are turning to their parents for financial support....
Turn your home equity into a plan, not a panic button! This episode gives a clear, practical checklist for using a HELOC or second mortgage...
Many Ontario small business owners use personal credit to get a venture off the ground, because banks rarely lend to brand-new businesses. T...
Drawing on experience from 25+ years and 73,000+ filings, Doug and Ted break down the top debt mistakes Canadians make, and how to avoid the...
Laid off or let go? Your first 30 days matter. This is a practical, Canada-specific guide to unemployment, covering everything from applying...
When money is tight, everything feels urgent. Rent, groceries, a credit card bill, and that unexpected car repair. In this episode, we walk...
Ever feel like the best financial advice sounds... boring and hard to stick to? Doug Hoyes and guest Licensed Insolvency Trustee Maureen Par...
Can you live without debt in today's Canada? In this myth-busting episode, Doug and Ted explore the real cost of going debt-free. They unpac...
Is tracking every single expense the key to taking control of your finances, or just a fast track to burnout? What are the pros and cons of...
Student loans can follow Canadians for years after graduation, sometimes delaying life milestones like buying a home or starting a family. I...
Making only the minimum payment on credit cards may feel manageable, but it's one of the riskiest financial habits for Canadians today. Doug...
Are you considering stepping into the world of homeownership? This episode is packed with insights every first-time homebuyer needs. Doug Ho...
Staying financially stable in Canada has never been harder. Even when you're working, budgeting, and "doing everything right," rising insolv...
Looking to save more and spend smarter? This episode is packed with practical, expert-backed tips - from insider grocery hacks and avoiding...
Listen for great get-out-of-debt advice from some of our most popular guests! Featuring Canadian financial experts from Hoyes Michalos and C...
This special compilation episode is packed with nuggets of wisdom and strategies for getting out of debt. We've pulled together the best cli...
From shady loan offers to AI voice fraud and everything in between, this special edition of Debt Free in 30 is your go-to for avoiding finan...
While we're known for expert debt advice, let's say it's a good thing we're better at being LITs than we are at staying on script! Join us f...
You need strategies that go beyond budgeting apps. Doug Hoyes and Ted Michalos are experts who've seen it all – and they offer practical, ho...
Is debt still avoidable, or has borrowing become a fact of life in Canada? Ontario Licensed Insolvency Trustees Doug Hoyes and Ted Michalos...
Don't just brace for a recession, prepare to come out stronger. This conversation is about turning Canada's economic uncertainty into an opp...
Is it ever "too late" to get out of debt? Whether you're mid-career, nearing retirement, or already retired, this episode will shatter the "...
When parents ask their adult children to co-sign a loan, add their name to a mortgage, or take out a car loan "for the family," it can feel...
For many newcomers to Canada, the Canadian credit system can feel like a high-stakes challenge. Although it's essential for building a finan...
Boomer budgeting tips collide with millennial money challenges in this candid conversation about debt, savings, housing costs, and the rise...
Have you ever wondered what life would look like if your credit score didn't exist? Licensed Insolvency Trustees Doug Hoyes and Ted Michalos...
Zombie memberships are real – and they're feasting on your budget every month. Forgotten fitness app? Digital subscription you thought was c...
What legal actions can creditors take if you stop paying your debts? From collection calls to lawsuits and wage garnishments, Licensed Insol...