Show overview
Debt Free in 30 has been publishing since 2014, and across the 12 years since has built a catalogue of 627 episodes, alongside 2 trailers or bonus episodes. That works out to roughly 310 hours of audio in total. Releases follow a weekly cadence, with the show now in its 12th season.
Episodes typically run twenty to thirty-five minutes — most land between 28 min and 33 min — and the run-time is fairly consistent across the catalogue. It is catalogued as a EN-language Business show.
The show is actively publishing — the most recent episode landed 3 days ago, with 34 episodes already out so far this year. Published by Douglas Hoyes.
From the publisher
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.
Latest Episodes
View all 627 episodes625 - Best Of Day-To-Day Debt Management Advice
624 - The Best Mortgage and Housings Advice From Our Experts
623 - Best Of Tough Debt Decisions
622 – What I Told Parliament About Canada's Debt Crisis
621 - Is The Lure of Convenience Spending Blowing Your Budget?
620 - The Cost of Caring: Balancing Generosity and Debt
619 - Payday Loans in Disguise: The Slick New Ways Apps Get You Hooked on Credit
618 - What Happens If You Just Stop Paying Your Credit Cards?
617- Saving While in Debt - Smart or Stupid?
616 - The Financial Impact of a Crisis - Building Resilience
615 - Your Credit Limit Is TOO HIGH (Here's Why That's a Problem)
614 – Splitting Up with Shared Debt: What Happens When Couples Break Up
613 – Credit Score Myths Busted: What Canadians Get Wrong About Credit Reporting
612 – When Should You Pay Your Credit Card? Smarter Timing for Better Credit
611 – Before You Borrow: 7 Questions to Ask Yourself to Avoid Debt Regret
610 – Financial FOMO: How the Fear of Missing Out Drives You Into Debt
609 – Credit Card Insurance: Do You Need It, or Is It Just Another Upsell?
608 – Advice or Sales Pitch? Why Canadians Have Lost Trust in Banks
607 – Credit Score vs Cash Flow: What Actually Matters in a Crisis?
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 budgeting carefully, there simply isn't enough left at the end of the month. Doug Hoyes and Ted Michalos explain why rising housing costs are a key driver of debt, how to recognize when your situation is more than just a temporary squeeze, and the practical steps to take when your income and expenses no longer align. Licensed Debt Relief in Canada Advice for Renting with Bad Credit Can Bankruptcy Stop Eviction for Rent Arrears in Canada? Debt Free Digest Monthly E-Newsletter Debt Repayment & Consumer Proposal Calculator Hoyes Michalos YouTube Channel – Reliable Canadian Debt Answers by Experts 00:00 – When rent eats your paycheque 03:00 – Why it's a math problem, not budgeting 06:30 – The 30% rule vs. today's reality 10:30 – When high rent becomes financially risky 13:30 – Key warning signs to watch for 16:30 – Budget issue vs. structural shortfall 19:00 – Short-term strategies to stabilize 21:30 – What to avoid when money is tight 24:00 – Long-term solutions if the math doesn't work 27:00 – Final takeaways and when to seek help Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.