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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
Payday Loans
Canada
Consumer Proposal
Student Loans
Bankruptcy
Emergency Fund
Debt Collection
Housing Market
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.

PublishesWeeklyEpisodes622Founded12 years ago
Number of ListenersCategories
InvestingBusiness

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Artwork for Debt Free in 30

Latest Episodes

Are these financial apps just payday loans in disguise? Learn the sneaky ways modern tech keeps you hooked on debt and how to avoid it. Many popular money apps market themselves as helpful tools, but often hide high-cost borrowing structures beneath ... more

What happens when you stop paying credit card bills? Learn the real consequences of missed payments and how to protect your financial health. This discussion breaks down exactly what occurs after you miss a credit card payment. If you are worried abo... more

Is saving money while in debt a smart financial move? Doug & Ted break down the strategy to help you decide how to manage your cash. Many people struggle with the dilemma of whether to prioritize building savings or paying off debt aggressively. This... more

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Recent Guests

Ted Michaelis
Payday loan expert
Episode: 619 - Payday Loans in Disguise: The Slick New Ways Apps Get You Hooked on Credit
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?
Scott Terrio
Specialist at Young and King in Toronto
Young and King
Episode: 586 - Should You Use Your Home Equity to Pay Off Debt in This Market?
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
Ted Michalos
Expert in debt management and financial literacy
Hoyes Michalos
Episode: 537 – The True Cost of Borrowing
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)
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 330 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
    Canada8 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
    Canada3 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
#64
Canada/Business/Investing
Apple Podcasts
#170
Canada/Business
Apple Podcasts
#190
Philippines/Business/Investing

Talking Points

Recent interactions between the hosts and their guests.

619 - Payday Loans in Disguise: The Slick New Ways Apps Get You Hooked on Credit
Q: Are these actually payday loans?
Technically they often don't meet the traditional payday loan definition, because they're marketed as quick access, with features like instant funding and subscriptions, rather than the classic two-week loan with a fixed fee. They're payday loan-like but operate in a different regulatory and marketing framework.
614 – Splitting Up with Shared Debt: What Happens When Couples Break Up
Q: What is the key concept listeners need to understand from the breakup about debt?
The key concept is that the bank's contract governs liability, not the breakup or separation agreement; you may be separated from your ex emotionally, but you are still legally bound to the debt unless the bank agrees to remove a name or the debt is refinanced and transferred.
615 - Your Credit Limit Is TOO HIGH (Here's Why That's a Problem)
Q: Are you saying I should only have one line of credit?
Not necessarily, but simplifying can help manage risk; you might keep one personal and one work line of credit, and avoid having multiple high-limit lines that increase total exposure and complicate utilization tracking.
615 - Your Credit Limit Is TOO HIGH (Here's Why That's a Problem)
Q: What is your practical advice when thinking about credit limits?
If a bank offers a limit that makes you uncomfortable, lower the limit; maintain awareness of how much you actually use, monitor your credit report after any reduction, and balance access with the need to avoid debt while preserving future borrowing potential.
615 - Your Credit Limit Is TOO HIGH (Here's Why That's a Problem)
Q: So, how do banks decide your credit limit?
Banks rely on automated risk assessments using proxies like employment history, income visibility, spending and savings patterns, and location, rather than a full personal interview, which means the decision can be largely algorithm-driven rather than human-centered.

Audience Metrics

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

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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 622 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. Scott Terrio
5. Charlie Shirk
6. Ted Michalos
7. Blair DeMarco Wettlaufer
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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