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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
Interest Rates
Credit Score
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.

PublishesWeeklyEpisodes613Founded12 years ago
Number of ListenersCategories
BusinessInvesting

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Artwork for Debt Free in 30

Latest Episodes

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

Credit card insurance is often presented as an easy way to protect yourself, but the details can be more complex than they appear.

We break down how it works, the different types of coverage available, and the fine print that can impact whether a c... more

Most Canadians trust their bank to help them make smart financial decisions. But sometimes, what feels like advice is shaped by something else.

We talk about how bank incentives influence recommendations, why that can lead to confusion, and what it... more

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Recent Guests

Ted Michalos
Guest on the episode who discusses debt and personal finance
Independent financial consultant
Episode: 608 – Advice or Sales Pitch? Why Canadians Have Lost Trust in Banks
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
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?
Maureen Parent
Financial expert and regular guest
Kanata, Ontario
Episode: 581 – Why the Best Financial Advice Sounds Boring – But Works
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
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 Debt Free in 30

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
    Canada6 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.

Listeners appreciate the financial advice tailored specifically to the Canadian landscape.
Some express frustration with the hosts' perspectives being perceived as outdated or condescending for younger audiences.
Many praise the engaging format and relatable anecdotes shared by the hosts.
Overall, the content is recognized as informative and valuable for anyone looking to manage their debt effectively.

Chart Rankings

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

Apple Podcasts
#70
Canada/Business/Investing
Apple Podcasts
#173
Canada/Business
Apple Podcasts
#205
Ireland/Business/Investing

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?

This podcast features weekly discussions led by a knowledgeable host with industry experts on important topics related to debt, personal finance, and money management. Each episode aims to break down complex financial jargon, making the content accessible and actionable for listeners. The focus includes practical advice on tackling debt, understanding consumer finances, and navigating personal finance challenges within the context of a Canadian audience. The podcast distinguishes itself by providing insights into local financial issues while emphasizing the experiences and stories of real people faced with financial struggles.

Particularly noteworthy is the objective to educate listeners on various proactive financial strategies, such as e... more

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Debt Free in 30 launched 12 years ago and published 613 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 Michalos
2. Ted Michaelis
3. Ron Butler
4. Scott Terrio
5. Maureen Parent
6. Charlie Shirk
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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