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Debt Free in 30

by Doug Hoyes
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Latest episodes

  • Why Your Debt Feels Smaller Than It Actually Is

    October 10, 2026 · 31 min

    If someone asked you right now how much you owe, you'd probably have a number. It's probably low.  Doug Hoyes and Ted Michalos see it constantly: someone says, "I think I owe about $20,000," yet once every debt is listed it turns out to…

  • Carrying a Credit Card Balance? What It Really Costs You

    October 3, 2026 · 31 min

    If you carry $5,000 on a credit card at around 20% interest, keeping that balance can cost roughly $1,000 a year. Making the minimum payment may keep your account in good standing, but it does not mean you are paying the debt off.  Doug…

  • 630 – Maxed Out? The Real Problem Isn't Your Credit Limit

    September 26, 2026 · 30 min

    What does it really mean when you max out your credit card? A maxed-out card may look like a credit problem, but often the real issue is cash flow: you're spending more each month than you have available, and credit is filling the…

  • Why Lenders Keep Giving You More Credit (Even When You're Struggling)

    September 19, 2026 · 30 min

    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…

  • 628 - Only 780 Trustees for 40 Million Canadians: What It Takes

    September 12, 2026 · 31 min

    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…

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  • 627 - The Most Dangerous Thing About Debt? — You've Given In

    September 5, 2026 · 31 min

    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…

  • 626 - The Best Debt Warnings From Our Experts | Doug Hoyes & Ted Michalos

    August 29, 2026 · 25 min

    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…

  • 625 - Best Of Day-To-Day Debt Management Advice

    August 22, 2026 · 21 min

    Day-to-day debt shouldn't control your life — but for a lot of Canadians, it does. In this special 20-minute compilation of Debt Free in 30, Licensed Insolvency Trustee Doug Hoyes pulls the most practical, replay-worthy advice from the…

  • 624 - The Best Mortgage and Housings Advice From Our Experts

    August 15, 2026 · 30 min

    Are you prepared for the mortgage renewal cliff? Learn how the 2026 renewal cycle might affect your household budget and finances. Doug Hoyes explains the reality of the upcoming mortgage renewal cliff and why 2026 is becoming a critical…

  • 623 - Best Of Tough Debt Decisions

    August 8, 2026 · 27 min

    Are you struggling with financial tightness despite making all your minimum payments? Learn how to break the cycle of debt today with our cleverly constructed Best Of Compilation. Financial stress can persist even when you are staying…

  • 622 – What I Told Parliament About Canada's Debt Crisis

    August 1, 2026 · 33 min

    What happens when a Licensed Insolvency Trustee gets five minutes to tell Parliament what's really happening with debt in Canada? Doug Hoyes shares his firsthand experience testifying before the House of Commons Standing Committee on…

  • 621 - Is The Lure of Convenience Spending Blowing Your Budget?

    July 25, 2026 · 31 min

    Avoid the convenience spending trap and stop accidental debt. Learn how small everyday habits trap you in financial stress and how to break free. This podcast episode from Debt Free 30 explores the hidden dangers of the convenience trap…

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About the show

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.