Debt Free in 30

Debt Free in 30

Author: Doug Hoyes Language: English Episodes: 500
Doug Hoyes sits down each week with a different specialist to untangle the complicated feelings and hard numbers around owing money. The conversations in Debt Free in 30 move beyond simple scare tactics or dry theory, focusing instead on actionable strategies for managing debt, rebuilding savings, and making informed investing choices. You’ll hear from trustees, financial planners, and counselors who explain concepts in plain language, stripping away the industry jargon that often leaves people feeling overwhelmed. Whether it’s navigating a consumer proposal, understanding credit scores, or starting to invest with a tight budget, this podcast provides a clear-eyed look at the steps toward financial stability. Doug’s approach is grounded and pragmatic, reflecting his deep expertise in the field, making each episode feel like a direct consultation with a knowledgeable guide. Tuning in regularly offers a consistent source of demystified advice, turning what can be a stressful topic into a manageable process. It’s that blend of expert insight and relatable conversation that defines this particular personal finance podcast.
Episodes
285 – Today's Bankrupt Debtor: 4 Key Debt Trends Explained [not-audio_url] [/not-audio_url]

Duration: 29:36
Once a year we crunch the numbers and release our annual Hoyes Michalos Joe Debtor Bankruptcy Study. It's the only study that exists that looks at real numbers from actual people (it's a study, not a survey) so every yea…
284 – Rules to Master Your Credit with Richard Moxley [not-audio_url] [/not-audio_url]

Duration: 34:29
On today's show we have a first time guest, Richard Moxley, who explains how to win at the credit game. He explains why the credit score you buy is not the same one your lender uses, why age matters, and what practical s…
283 – How To Prepare Your Finances for a Recession [not-audio_url] [/not-audio_url]

Duration: 32:50
I have no idea whether or not we will have a recession soon, but whether we do or not, there are some steps you can take to prepare. On today's show Scott Terrio returns to discuss what causes a "personal recession", and…
282 – Identifying and Avoiding Loan Scams [not-audio_url] [/not-audio_url]

Duration: 28:46
Ted Michalos returns to discuss loan scams, including advance fee loans, savings loans, and "pay off your consumer proposal" loans. Listeners may quibble with our characterization of these loans as "scams", but we explai…
281 - Talk Money To Me with Kelley Keehn [not-audio_url] [/not-audio_url]

Duration: 37:02
Kelley Keehn returns after a three year absence, and on today's show we discuss some of the many interesting ideas she has in her new book, Talk Money to Me. We discuss the impact of low interest rates, whether or not sh…
280 – Are Reverse Mortgages a Good Idea? [not-audio_url] [/not-audio_url]

Duration: 36:07
On today's show first time guest Alexandra Macqueen, CFP explains what a reverse mortgage is, how they work, and who qualifies. More importantly, Ms. Macqueen does not sell reverse mortgages; she's a financial planner an…
279 – How Debt Fools People [not-audio_url] [/not-audio_url]

Duration: 31:09
On today's show Scott Terrio explains that, for most of our clients, debt "sneaks up on you". You borrow the money and expect to have no trouble paying it off, but then life happens, and the debt problems begin. We discu…
278 – Year-End Debt Show and Predictions for 2020 [not-audio_url] [/not-audio_url]

Duration: 25:16
For the last show of the year Doug Hoyes and Ted Michalos look back on 2019 and ask the obvious question: the economy is doing well, unemployment is low, and yet bankruptcy and consumer proposal filings in Ontario have h…
277 – Is Life Better or Worse Today? [not-audio_url] [/not-audio_url]

Duration: 24:45
If you listen to the news, or read the comments on YouTube, you may think the world is getting worse. All we hear about are political scandals, crime, and economic problems. That's not surprising; bad news sells; negativ…
276 – The Problem with Gift Cards [not-audio_url] [/not-audio_url]

Duration: 29:54
Everyone likes gift cards. Free money! An easy gift for anyone on your Christmas list, but there is a downside. On today's podcast, first time guest and Hoyes Michalos credit counsellor Patty Sweeney explains the advanta…