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Recent Episodes
614 – Splitting Up with Shared Debt: What Happens When Couples Break Up
No one enters a relationship expecting to one day untangle joint credit cards, co-signed loans, or shared lines of credit. Yet when a relationship ends, many people discover they're still financially…
613 – Credit Score Myths Busted: What Canadians Get Wrong About Credit Reporting
Canadians hear a lot of advice about credit scores, but much of it is outdated, oversimplified, or borrowed from the U.S. and simply doesn't apply here.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…
612 – When Should You Pay Your Credit Card? Smarter Timing for Better Credit
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…
611 – Before You Borrow: 7 Questions to Ask Yourself to Avoid Debt Regret
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…
610 – Financial FOMO: How the Fear of Missing Out Drives You Into Debt
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…
609 – Credit Card Insurance: Do You Need It, or Is It Just Another Upsell?
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…
608 – Advice or Sales Pitch? Why Canadians Have Lost Trust in Banks
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…
607 – Credit Score vs Cash Flow: What Actually Matters in a Crisis?
A high score does not always indicate stable finances. It is possible to keep up with most of your bills and maintain a decent credit score while still feeling like you are falling behind. When cash…
606 – When Rent Eats Your Paycheque: The Hidden Reason Canadians Are Falling Into Debt
When rent takes up too much of your income, debt often follows, not because of overspending, but because the numbers no longer work. Many Canadians are finding that even after cutting back and…
605 – Owe CRA Tax Debt? The Biggest Loan Mistake Canadians Make
Owing money to the CRA can feel urgent, and taking out a loan might seem like the fastest way to fix it. But in many cases, it can make your situation worse. Doug Hoyes and Ted Michalos break down…
604 – The Dangers of Installment Loans
Installment loans are often marketed as a safer alternative to payday loans because payments are predictable and structured. However, fixed payments do not always mean lower cost or less financial…
603 – Prevent Tax Debt and Mistakes 2026
Tax issues are not just about deductions. They come down to timing, habits, and the small decisions that add up over the year. This episode focuses on the practical systems that help you stay…
602 – Is It Too Late to Save for Retirement? Real Math Canadians Need to See
Many Canadians worry that they started saving for retirement too late. The numbers can feel discouraging, especially if debt, minimum payments, or everyday expenses delay investing for years. This…
601 – The Most Dangerous Financial Advice on the Internet
Financial advice is everywhere online. Some of it is mathematically correct, but that does not mean it is right for your situation. Popular tips can sound smart, but if money is already tight, those…
600 – Debt Misunderstandings Keeping Canadians Stressed
In this milestone episode, Doug Hoyes and Ted Michalos discuss the biggest myths about debt that refuse to die, the one behaviour that most reliably predicts insolvency, and explain what people who…
599 – What Happens When You Can't Afford to Stay in Your Home?
Owning a home is supposed to bring stability, but for many Canadian households, the numbers are getting harder to manage. Mortgage renewals at higher rates, unexpected repairs, and rising day-to-day…
598 – Stability Isn't Safety: Flat Insolvency Numbers Are a Warning Sign
The numbers tell a story of deferred pressure. Consumer insolvency filings in Ontario were essentially flat in 2025, but our latest Joe Debtor study shows debt is still rising as Canadians layer on…
597 – Why Your Credit Might Get Cut Off (And What You Can Do About It!)
Some Canadians are waking up to a surprise: reduced credit limits, frozen lines of credit, or cancelled credit cards…even with solid credit scores and no missed payments. Banks are pulling back on…
596 – What To Do First When You're Behind On Bills
Behind on bills and not sure where to start? If money is tight and payments are stacking up, this episode gives you a clear starting point. Doug Hoyes and Licensed Insolvency Trustee Maureen Parent…
595 – Mortgage Renewal Shock: What Homeowners Need to Know for 2026 | Ron Butler
Millions of Canadian mortgages taken out at ultra-low rates between 2020 and 2022 are now coming up for renewal – at much higher rates. That reality has led many to warn about a "mortgage renewal…
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Debt Free in 30 has published 616 episodes since September 2014, covering topics in Business, Investing.
Debt Free in 30 is currently highly active with new episodes weekly. Average episode length is 31m.
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