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
165 – Do I Lose My RDSP If I Go Bankrupt? [not-audio_url] [/not-audio_url]

Duration: 24:21
Registered Disabilities Savings Plans are geared towards helping families and individuals who are living with a disability. RDSPs can only be setup for someone who is eligible to receive the Disability Tax Credit. If thi…
164 – Why a House Does Not Guarantee Financial Security [not-audio_url] [/not-audio_url]

Duration: 13:39
Everyone thinks that a house provides both stability and financial security, but on today's show, we'll explain why that is not always the case. It is true that if you live in the same home for many years, you have stabi…
163 – Life Happens and Not Always The Way We Expect [not-audio_url] [/not-audio_url]

Duration: 10:14
In some cases it is your fault, if your debt was a result of reckless spending but, in my experience, most people get into trouble because "life happens". Many of my clients have debt problems caused by a job loss, or re…
162 – Here's How You Can Get Ready for Higher Interest Rates [not-audio_url] [/not-audio_url]

Duration: 28:03
There are recent interest rate increases from the Bank of Canada that will affect many Canadians. But the question of the day is: Do you know how a 1% interest increase will affect your budget? Today's guest is here to d…
161 – Debt Should Come With a Health and Safety Warning [not-audio_url] [/not-audio_url]

Duration: 22:50
On today's show, I discuss the news that data from Equifax was "hacked". It appears that "only" 100,000 Canadians were impacted, but even if your data was not impacted by this event, it's a good wake-up call for all of u…
160 – Laid Off at Age 47 [not-audio_url] [/not-audio_url]

Duration: 32:24
For more than a decade the "go to" source for Canadian personal finance information has been the Canadian Personal Finance Blog operated by Alan Whitton, more commonly known as the Big Cajun Man (listen to the show to fi…
159 – How Our Emotions Can Lead to Debt Problems [not-audio_url] [/not-audio_url]

Duration: 14:36
Over the years I have had hundreds of clients who financed a house, or a car that ended up being more expensive than they could afford, and that one purchase caused other debt problems. When I ask them why they made that…
158 – Is Your Student Debt Sustainable? [not-audio_url] [/not-audio_url]

Duration: 23:50
Student loan debt is a massive problem in Canada. The average student loan debt resulting from a four year degree program is over $26,000, and a student could end up paying more than $10,000 in interest before the loan i…
157 – Introduction to Season 4: We Are Not Netflix, but… [not-audio_url] [/not-audio_url]

Duration: 7:00
Welcome to the first show of Debt Free in 30 Season #4. I know this isn't a TV show, and you're not supposed to have "seasons" on a podcast, but I think seasons are a good way to organize what we do here on Debt Free in…
156 – Straight Talk On Your Money [not-audio_url] [/not-audio_url]

Duration: 10:38
The book is called Straight Talk on Your Money – The Biggest Financial Myths and Mistakes…and How to Avoid Them. I wrote the book because based on my 30 years as a professional accountant, and after personally meeting wi…