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Artwork for Debt Free in 30

Debt Free in 30

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

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.

PublishesWeeklyEpisodes631Founded12 years ago
Number of ListenersCategories
InvestingBusiness

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Artwork for Debt Free in 30

Latest Episodes

Why would a lender raise your credit limit when you're already struggling to keep up?

Credit approval algorithms look at your credit report and payment history, not your entire financial picture. You may be making every minimum payment on time whi... more

What does it actually take to become a Licensed Insolvency Trustee (LIT) in Canada? Hint: It's not just a quick course and a quick test. In this episode, Doug Hoyes welcomes back Charlie Kovacs to the studio for his first official appearance as a new... more

Are you making every payment on time but your credit card balance never moves? You're not managing debt — you're just managing cash flow. In the Season 13 premiere of Debt Free in 30, Doug Hoyes, explains the most dangerous moment in debt — when exha... more

Are you ignoring the warning signs of debt? Licensed Insolvency Trustees Doug Hoyes & Ted Michalos share the best debt warnings every Canadian needs to hear — from credit card debt traps to payday loans, co-signed debt and what happens if you stop pa... more

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Recent Guests

André Bolduc
CARP representative seated beside Hoyes
CARP (Canadian Association of Insolvency and Restructuring Professionals)
Episode: 622 – What I Told Parliament About Canada's Debt Crisis
Wes Cowan
CARP representative appearing by video
CARP
Episode: 622 – What I Told Parliament About Canada's Debt Crisis
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?

Host

Doug Hoyes
Host of the show; debt relief and personal finance educator; affiliated with Hoyes Michalos & Associates

Reviews

4.6 out of 5 stars from 335 ratings
  • Doug Rules!

    I love this podcast! It’s quick, to the point, relevant, human, and hilarious. Good advice is worth repeating. Doug is like a smart family member that you know you should listen to. Shout out to Ted of course.

    Worth every minute….thirty of them.

    Apple Podcasts
    5
    jlcnow
    Canada2 months ago
  • 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
    Canadaa year 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

Listeners Say

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

Listeners value actionable steps and real‑world examples.
Fans praise consistent, clear guidance that helps with debt payoff and budgeting.
Canadians appreciate the Canadian focus and practical debt advice.

Chart Rankings

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

Apple Podcasts
#49
Canada/Business/Investing
Apple Podcasts
#150
Canada/Business

Talking Points

Recent interactions between the hosts and their guests.

625 - Best Of Day-To-Day Debt Management Advice
Q: What is the true cost of a loan beyond the monthly payment?
The discussion emphasizes looking at the total repayment over the life of the loan and the true cost of debt, including interest, rather than just the monthly payment.
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.

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?

In-depth, action‑oriented discussions around debt, personal finance, and budgeting with a Canadian lens. Regular hosts invite topic experts to translate complex financial concepts into practical advice, covering credit, debt strategies, consumer protections, budgeting hacks, and the cost of modern money choices like BNPL and subscription traps. Episodes frequently highlight clear steps, real‑world scenarios, and boundaries around generosity, while challenging listeners to think critically about risk, cash flow, and long‑term resilience. A standout is the consistent emphasis on math over emotion, with accessible guides to avoid debt spirals and to build healthy financial habits, making it especially useful for Canadians seeking concrete guid... more

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Debt Free in 30 launched 12 years ago and published 631 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. André Bolduc
2. Wes Cowan
3. Ted Michaelis
4. Ron Butler
5. Charlie Kovacs
6. Charlie Shirk
7. Scott Terrio
8. Blair DeMarco Wettlaufer

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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