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Artwork for Debt Free in 30

Debt Free in 30

Doug Hoyes
Debt Management
Debt
Budgeting
Personal Finance
Inflation
Credit Card Debt
Credit Score
Interest Rates
Credit Cards
Consumer Proposals
Canada
Consumer Proposal
Student Loans
Payday Loans
Bankruptcy
Debt Collection
Housing Market
Emergency Fund
Cost Of Living
Real Estate

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.

PublishesWeeklyEpisodes615Founded12 years ago
Number of ListenersCategories
InvestingBusiness

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Artwork for Debt Free in 30

Latest Episodes

Canadians hear a lot of advice about credit scores, but much of it is outdated, oversimplified, or borrowed from the U.S. and simply doesn't apply here.

Does carrying a balance help? Does checking your score hurt it? Can you pay to remove bad credi... more

Most people assume paying their credit card on the due date means they're managing debt responsibly. But timing matters more than most people realize.

Doug Hoyes and Ted Michalos explain why people who always make their payments on time can still e... more

Most people do not end up in serious debt because of one huge mistake. It is usually a series of small decisions that felt reasonable at the time.

Doug Hoyes and Ted Michalos discuss seven important questions everyone should ask before borrowing mo... more

From social media influencer culture to "buy now, pay later" spending, financial FOMO can quietly push people deeper into debt without realizing it.

Licensed Insolvency Trustee Maureen Parent from Hoyes Michalos breaks down how the fear of missing ... more

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Recent Guests

Ted Michaelis
Debt and financial advisor featured as guest
Episode: 607 – Credit Score vs Cash Flow: What Actually Matters in a Crisis?
Ron Butler
Founder of Butler Mortgage
Butler Mortgage
Episode: 595 – Mortgage Renewal Shock: What Homeowners Need to Know for 2026 | Ron Butler
Charlie Kovacs
Credit counselor and student in the trustee program
Hoyes Michalos
Episode: 588 – Are You Financially Fit Enough to Invest?
Charlie Shirk
A financial expert with a focus on consumer behavior and debt management.
Hoyes Michalos
Episode: 552 – Gamified Spending: The Hidden Dangers of Retail Tricks
Scott Terrio
Manager of Consumer Insolvency at Hoyes & Michalos
Hoyes & Michalos
Episode: 533 – What Happens If You Can't Pay Your Mortgage – Feat. Scott Terrio
Blair DeMarco Wettlaufer
Debt collector at Kingston Data and Credit
Kingston Data and Credit
Episode: 528 – Illegal Debt Collection Tactics: Know Your Rights (ft. Blair DeMarco Wettlaufer)
Ted Michalos
Debt consultant and expert in personal finance
Hoyes Michalos
Episode: 527 – Debt After Death: Can You Inherit Debt in Canada?
David Barnett
Business expert and entrepreneur
David C. Barnett Enterprises
Episode: 524 – Entrepreneur by Necessity: Business Advice with David Barnett
Blair DeMarco-Wetloff
Chief Operations Officer for Kingston Data and Credit
Kingston Data and Credit
Episode: 521 – Debt Collectors: Practical Advice (Compilation)

Host

Doug Hoyes
Host of the show; insolvency trustee and co-founder of Hoyes, Michalos & Associates.

Reviews

4.6 out of 5 stars from 328 ratings
  • Okay but could be better

    First, the positives. It is great to have financial advice content that is by Canadians for Canadians, and the hosts seem to have a lot of experience in this area.

    For me, the hosts are very stuck in a time when the financial landscape looked very different. The hosts are insistent that neither traditional budgeting nor modern budgeting methods work, that they are “old guys from the 80s” and use phrases like “back in my day” and “on the interwebs”. I’m sure this is appealing to a particular dem... more

    Apple Podcasts
    3
    CharlotteLDove
    Canada7 months ago
  • Enjoyable and informative

    I look forward to each weeks episode and learn something new each time.

    Apple Podcasts
    5
    Kelly McRager
    Canadaa year ago
  • Yikes

    The host never seems as though he wants the expert’s true opinion. He wants the expert to support whatever his opinion is.

    Apple Podcasts
    1
    yabadabadosha21
    United States2 years ago
  • Thank You

    I have been listening to this for years. I enjoy every episode regardless of the topic. It has helped me stay focused on my goal of paying off my debt.

    In 2021 I got to talk to Doug Hoyes himself! He heard my story and gave me free advise. I took that advice and was able to pay of $18000 in debt within 3 years. I used any extra money I got from overtime and side jobs. I got my spending habits under control, use a budget and have all my payments on auto pay.

    Not everyone will have the same ... more

    Apple Podcasts
    5
    1979CD
    Canada2 years ago
  • So relevant

    I have been listening to this podcast religiously the last few months. I love that everything is relevant to Canada and I can’t wait to use these strategies to become debt free and manage my money better going forward

    Apple Podcasts
    5
    Number1crafter
    Canada2 years ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Some reviewers feel the host cuts off guests too often, affecting perceived credibility.
Listeners appreciate the Canadian focus and practical debt advice.
Many praise the show's depth, actionable strategies, and guest expertise on debt solutions.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Apple Podcasts
#79
Canada/Business/Investing
Apple Podcasts
#197
Canada/Business

Talking Points

Recent interactions between the hosts and their guests.

605 – Owe CRA Tax Debt? The Biggest Loan Mistake Canadians Make
Q: Is a consumer proposal a viable option to include tax debt?
Yes, tax debt can be included in a consumer proposal, which stops interest and garnishments and allows for a manageable, capped payment plan over several years.
605 – Owe CRA Tax Debt? The Biggest Loan Mistake Canadians Make
Q: Can you structure a payment with CRA that fits your budget?
Yes, CRA can offer installment plans (12 or 24 months in some cases), but you must demonstrate current tax payments are being made and keep records of all communications.
605 – Owe CRA Tax Debt? The Biggest Loan Mistake Canadians Make
Q: What is your practical advice if you think you're going to owe money to CRA?
Set aside money by increasing deductions or making voluntary payments, and only consider a loan if you can afford the payments and if it actually solves the underlying cash-flow problem, not just shifting the debt to the bank.
592 – The Wealthy Barber: Financial Issues Canadians are Struggling with Most
Q: What is the message of hope that you would give our listeners?
People can understand their finances; it's easier than they think. There are also more opportunities for side gigs and creative pursuits.
573 – The Best Get Out of Debt Advice from Top Guests (Compilation)
Q: How do I calculate what the upper limit of debt is?
If your expenses and minimum debt payments exceed your income, you've reached critical mass, making it unlikely to pay off debt through standard methods.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
Gender Skew
Location
Interests
Professions
Age Range
Household Income
Social Media Reach

Frequently Asked Questions About Debt Free in 30

What is Debt Free in 30 about and what kind of topics does it cover?

A practical, Canada-focused take on debt and personal finances, with recurring emphasis on debt reduction, budgeting, and systemic factors like housing costs and banking practices. Episodes frequently feature insolvency experts, debt counselors, and independent financial professionals who translate complex financial concepts into actionable steps for everyday listeners. Notable strengths include a clear focus on real-world cash flow, consumer protection, and long-term resilience, along with critical takes on traditional banking incentives and common debt traps. This mix makes it especially valuable for Canadians seeking debt relief, smarter budgeting, and informed decisions about credit, mortgages, and retirement planning.

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How many episodes of Debt Free in 30 are there?

Debt Free in 30 launched 12 years ago and published 615 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Debt Free in 30?

Recent guests on Debt Free in 30 include:

1. Ted Michaelis
2. Ron Butler
3. Charlie Kovacs
4. Charlie Shirk
5. Scott Terrio
6. Blair DeMarco Wettlaufer
7. Ted Michalos
8. David Barnett

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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