Hosted by Doug Hoyes · 🇺🇸 US · EN · 615 episodes
Established thought leaders with verified media credentials.
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.
Doug Hoyes hosts Debt Free in 30, a business show with 615 episodes published.
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 payi
Learn how to survive a financial crisis by building resilience and strengthening your personal finance foundation. This conversation provides practical steps to prepare for economic instability. We discuss the core princ
Is your credit limit too high? Learn how to safely request a lower credit limit to manage your personal finances more effectively. Most financial advice focuses on getting more credit, but having too much available can b
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 connected long after
Canadians hear a lot of advice about credit scores, but much of it is outdated, oversimplified, or borrowed from the U.S. and simply doesn't apply here.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
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
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 sh
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 d
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
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 le
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 flow is stretched, ev
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 budgeting carefully, there
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 when borrowing to pay o
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 risk. Learn the warning
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 organized and avoid costly s
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 conversation breaks dow
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 strategies can someti
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 successfully recover f
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 costs can quietly shi
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 borrowing across more
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Debt Free in 30 is hosted by Doug Hoyes. The show is categorised under business (investing) and has published 615 episodes.
Debt Free in 30 has published 615 episodes.
Debt Free in 30 regularly covers business, investing. It sits in the business category, with a investing focus.
Debt Free in 30 is accessible for guests with genuine business expertise. A personalised, episode-aware pitch will still outperform a generic one every time.
Debt Free in 30 hasn't explicitly signalled guest openness in recent episodes. That doesn't rule out pitching. your hook just needs to be especially compelling and relevant to their recent content.
Episodes of Debt Free in 30 average 30 minutes. a focused format where a clear narrative arc and tight preparation matter most.
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