Best Scott Hoye Podcasts (2025)

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563 – Debt: The New Normal? Comparing Boomer and Millennial Mindsets 30:37

5d ago30:37

30:37

Boomer budgeting tips collide with millennial money challenges in this candid conversation about debt, savings, housing costs, and the rise of gig-work income. Whether saving for a first home or paying off old credit cards, this episode bridges the generation gap with actionable insights for any age, complete with tried-and-true tactics Boomers sti…

1
562 – Canada’s Credit Score Crisis: Does France's No Score System Reveal A Better Way? 30:24

12d ago30:24

30:24

Have you ever wondered what life would look like if your credit score didn’t exist? Licensed Insolvency Trustees Doug Hoyes and Ted Michalos compare Canada’s score-driven system with France’s radically different, no-score approach. You’ll learn: How France decides who can borrow—without a three-digit score. The cultural attitudes that shape lending…

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561 – Zombie Subscriptions: How To Spot And Cancel Hidden Budget Killers 30:25

19d ago30:25

30:25

Zombie memberships are real – and they’re feasting on your budget every month. Forgotten fitness app? Digital subscription you thought was cancelled? Auto-renewals can quietly drain your finances if you're not paying attention. Doug Hoyes and Ted Michalos discuss why some subscriptions are so easy to miss, and how to track, cancel, and avoid them g…

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560 – Legal Actions Creditors Can Take in Canada (And How to Protect Yourself) 30:37

26d ago30:37

30:37

What legal actions can creditors take if you stop paying your debts? From collection calls to lawsuits and wage garnishments, Licensed Insolvency Trustees explain the real timeline of creditor actions—including how the CRA (Canada Revenue Agency) collects without going to court, and how to avoid scams when seeking help. ✅ Know your rights✅ Understa…

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559 – Denied Credit? The Survival Guide for Emergency Situations 29:43

1M ago29:43

29:43

Denied credit when you need it most? Learn why creditors reject credit and loan applications and what steps you can take next. This guide covers real solutions to dealing with emergency credit denial, from avoiding payday loan traps to protecting yourself financially in tough times. Doug and Ted also recommend using the links below to access your f…

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558 – What It Means To Be House Poor And How To Avoid It 30:40

1M ago30:40

30:40

What does it mean to be house poor in today’s Canadian economy? With home prices rising much faster than wages, more people are stretching their finances to buy property, only to find themselves stressed, overleveraged, and without a financial safety net. We explore how the definition of "house poor" has evolved, the role gig work and income instab…

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557 – How To Avoid Car Financing Mistakes In 2025 31:17

2M ago31:17

31:17

Loans are getting longer, interest rates are getting higher, and that shiny new car? It could lead to serious debt. We dive into Canadian data to help you make informed choices when it comes to buying, leasing, or walking away from a car loan that no longer makes sense. Can I Buy a Car With Bad Credit? Car Buying Options Keep You In a Debt Cycle Ho…

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556 – Is Debt Fatigue Holding You Back? Strategies for Renewed Focus 30:21

2M ago30:21

30:21

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555 – The Future of Canadian Savings: Are We Saving Enough for What's Ahead? 30:20

2M ago30:20

30:20

Saving money: the basic idea is easy, but the reality for Canadians often presents unexpected challenges. Join trusted Ontario experts Doug Hoyes and Ted Michalos as they discuss “saving” in today’s challenging economy. Learn how to calculate your personal savings rate, understand the obstacles many face (and strategies to overcome them!), and disc…

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554 – AI Scams & Debt: Staying Safe in a New Era of Fraud 30:28

2M ago30:28

30:28

Artificial intelligence is no longer just a futuristic concept – it's actively reshaping the landscape of scams and posing a significant threat to your financial well-being. Are you prepared for this new era of fraud? In this episode, we delve into the alarming ways AI is being used to create more sophisticated and personalized scams that could dir…

1
533 – Debt & Neurodiversity: Understanding the Connection and Finding Solutions 34:57

3M ago34:57

34:57

Ever feel like managing money comes with its own set of challenges? If you're neurodivergent, those challenges can sometimes feel amplified. In this episode, we welcome Licensed Insolvency Trustee Maureen Parent and dive into the crucial intersection of neurodivergence and debt, exploring how executive dysfunction, time blindness, and impulse spend…

1
552 – Gamified Spending: The Hidden Dangers of Retail Tricks 32:21

3M ago32:21

32:21

Is shopping becoming a dangerous game? From live streams to influencer deals to 'Buy Now, Pay Later' offers—your brain's reward system is constantly being triggered to encourage constant spending. Join us for a discussion with Credit Counsellor Charlie Kovacs, who exposes the risks tied to retailer financing, debunks the myth of discount savings, a…

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551 – Value of The Canadian Dollar & Its Impact on Your Dinner Bill 30:52

3M ago30:52

30:52

Did you know the price of your dinner tonight might be tied to decisions made in the US? Doug and Ted explain the surprising impact of the Canadian dollar on your everyday spending. They'll break down how this affects your wallet, from filling up your gas tank to putting food on the table. Discover the surprising upsides and downsides of our tightl…

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550 – How to Build Wealth While Managing Debt: A Practical Guide 29:59

3M ago29:59

29:59

Debt often gets a bad rap, but what if you could use it to your advantage? This episode unlocks the power of strategic debt! Learn to leverage other people's money, distinguish between good and bad debt, and manage borrowing effectively. Doug and Ted, co-founders of Hoyes Michalos, provide practical strategies for building wealth with debt, includi…

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549 – Can You Walk Away from a Pre-Construction Deal? What You Need to Know 30:29

3M ago30:29

30:29

Alarming trend: Canadians are finding themselves unable to follow through on pre-con real estate purchases. So, what happens if you can’t close on a pre-construction real estate deal? In this episode, the co-founders of Hoyes Michalos break down the reality of pre-construction deals in Canada, including assignment sales, how rising rates and blanke…

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548 – Credit Card Habits Leading to Debt? Expert Advice for Canadians 30:39

4M ago30:39

30:39

Canadian credit card debt is surging! Many people are feeling the squeeze of rising costs, stagnant wages, and mounting unsecured debt. This crucial episode offers timely financial guidance on improving credit card habits (which you may not realize are hurting your finances!) and effectively managing debt. FREE Credit Rebuilding Course (0:00) – Cre…

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547 – Financial Freedom & Zero Debt: What You Need to Know 30:31

4M ago30:31

30:31

Is having zero debt the key to financial freedom, or could it hold you back? Expert Licensed Insolvency Trustees Doug and Ted explore the pros and cons of being completely debt-free, from psychological and financial benefits to the impact on your credit score and long-term opportunities. (0:00) – Introduction: What does financial independence reall…

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546 – Canadian Debt Is Surging – Concerning Trends from Joe Debtor 2024 31:22

4M ago31:22

31:22

Canadians are being crushed by debt—and we have the data to prove it. In this exclusive episode, Hoyes Michalos co-founders Doug Hoyes and Ted Michalos break down the findings from the 2024 Joe Debtor study, Canada’s leading consumer insolvency report. Our research reveals how rising debt levels are impacting Canadians like never before. From mille…

1
545 – Why We Overspend and How to Break Bad Money Habits 29:46

4M ago29:46

29:46

Why is it so hard to break bad money habits? Doug Hoyes and Ted Michalos dig into the psychology of impulse buying, the powerful influence of marketing on buying decisions, and the easy-purchase pathway spending cycle that keeps so many people stuck. They share personal anecdotes from decades in the insolvency industry and provide real-world strate…

1
544 – The Truth About Loans Impacting Your Credit Score 30:09

5M ago30:09

30:09

More credit means a higher score, right? Not exactly. #debtfreein30 Many assume more loans and higher credit means a higher score, but the reality is more complex. Doug Hoyes and Ted Michalos break down how multiple loans impact your credit score and share expert advice on when accessing more credit makes sense—and when it doesn’t. (0:00) – What im…

1
543 – How to Avoid Debt Traps: Expert Tips for Canadians 30:48

5M ago30:48

30:48

Can you identify and escape the pitfalls of debt traps? Learn from the co-founders of Hoyes Michalos how marketing and psychology fuel debt cycles. Spot the warning signs of financial trouble—from payday loans to student debt—and understand the emotional toll that debt can take. Plus, gain practical, proven strategies to break free from the cycle a…

1
542 – The Truth of Credit Card Rewards – They're Costing You 29:34

5M ago29:34

29:34

Are credit card points and rewards as beneficial as they seem, or are they secretly costing you more than you realize? Doug Hoyes and Ted Michalos discuss the truths behind credit card reward systems, revealing how spending habits, annual fees, and high-interest cards may affect your financial health. Learn how credit card companies use your data, …

1
541 – A House Is Not an Investment If You Can’t Afford It 31:05

5M ago31:05

31:05

Real estate is often seen as the ultimate investment, but is it really? Doug and Ted discuss the financial realities of homeownership, from the hidden costs of maintenance and repairs to the risks of negative equity, pre-con agreements, and even becoming a landlord. This episode explains why a house may not always be the wealth-building asset it’s …

1
540 – How the New Criminal Interest Rate Affects You 31:48

6M ago31:48

31:48

It’s crucial to stay informed about the recent revision to the criminal interest rate cap, effective January 1, 2025. How will Canadians be impacted? Doug and Ted provide insight into potential lending trends, emerging marketing tactics, unintended consequences, and how this change will impact the most vulnerable borrowers and secondary lenders in …

1
539 – Canadian Insolvency and Economic Trends in 2025 31:37

6M ago31:37

31:37

As 2024 comes to an end, Doug Hoyes and Ted Michalos revisit their past predictions to see what they nailed—and what surprised them. They cover everything from inflation and insolvency to unemployment and real estate and, using the latest economic data and trends, share their evidence-based predictions for 2025. Do you agree with Doug and Ted, or d…

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538 – Financial Caregiving: Taking Care of Aging Parents While Tackling Debt 31:44

6M ago31:44

31:44

How do you balance financial well-being with the responsibility of supporting aging parents? This important episode tackles the complexities of financial caregiving, highlighting the challenges of the "sandwich generation"—those caring for both children and elderly parents—all while managing personal debt. Doug and Ted cover the pros and cons, from…

1
Flip the OCD Script with Michael Alcée, Ph.D. 48:41

6M ago48:41

48:41

On this episode of the Psychology Talk Podcast, we have the pleasure of speaking, once again, with Dr. Michael Alcée, a clinical psychologist based in Tarrytown, New York. Michael is not only a mental health educator at the Manhattan School of Music but also an award-winning author. His innovative work marries the worlds of psychology and creativit…

1
537 – The True Cost of Borrowing 31:36

6M ago31:36

31:36

Have you ever stopped to consider the real costs—and sacrifices—of borrowing someone else’s money? Whether it’s a mortgage, car loan, or another form of financing, the hidden fees, penalties, and long-term credit impacts can quickly add up. Beyond the numbers, debt can bring stress, limit opportunities, and force tough choices in your personal and …

1
536 – How to Handle Maxed-Out Credit Cards 31:38

6M ago31:38

31:38

Is the thought of maxed-out credit cards keeping you up at night? This guide unpacks the pitfalls of credit card debt and offers clear strategies to break free from the cycle. Doug Hoyes and Ted Michalos discuss why your credit utilization rate matters, how many credit cards you should really have, the pros (but mostly cons) of opening new credit a…

1
535 – How Seasonal Workers Can Manage Income and Debt 30:39

7M ago30:39

30:39

Many Canadians have seasonal employment or variable income, making financial planning more complex. Doug Hoyes and Ted Michalos provide practical strategies for managing income fluctuations, saving effectively, dealing with debt, and handling taxes during off-seasons. This episode is a must-listen for anyone navigating seasonal employment or variab…

1
534 – How to Stay Motivated While Paying Off Debt 32:45

7M ago32:45

32:45

Struggling to stay motivated while repaying debt? You're not alone! Charlie Kovacs, BIA Insolvency Counselor with Hoyes Michalos, joins Debt Free in 30 to share practical strategies to help you stay focused, celebrate small victories, and shift your mindset from guilt to empowerment. Whether juggling student loans, tackling "life quakes," or just f…

1
533 – What Happens If You Can’t Pay Your Mortgage – Feat. Scott Terrio 36:39

7M ago36:39

36:39

If you’re a homeowner in Canada, you can’t miss this episode! Canadian homeowners are increasingly facing the tough reality of missed payments and rising financial pressures. Licensed Insolvency Trustee Scott Terrio joins Debt Free in 30 to unpack the potential warning signs of mortgage trouble, troubleshoot possible solutions, and provides guidanc…

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S1E6 - Retiring From Becoming with Nadine Artemis 47:46

7M ago47:46

47:46

It’s a pleasure to bring Nadine Artemis to the Debut stage, an aromatic lead woman, a maker in all sense of the word, a Canadian forest goddess, I truly cannot begin to express my exuberance when she agreed to speak with me on the show (I was kicking my legs like an upside down beetle lol) Alanis Morissette described her as “true-sense visionary” a…

1
532 – Financial Fitness Check: How to Assess Your Financial Health 30:17

7M ago30:17

30:17

How do you know if you're financially fit? Doug Hoyes and Ted Michalos break down the essentials of financial "fitness", covering the importance (or unimportance) of positive net worth, stable cash flow, emergency funds, retirement planning, life insurance, budgeting, and more. This episode is packed with expert insights to help you evaluate your f…

1
531 – Why Popular Budgeting Techniques Don’t Work 33:09

8M ago33:09

33:09

Ready to break all the budgeting rules? This episode is a lively debate that flips the script on traditional money management. Doug Hoyes isn’t holding back on his opinions about the Government of Canada’s “Financial Literacy Month,” challenging its effectiveness and taking a skeptical eye to the budgeting advice we’ve all heard before. Maureen and…

1
530 – How To Use Credit Cards to Boost Your Credit Score 30:43

8M ago30:43

30:43

How much do you really know about the impact of credit cards on your credit score? Doug Hoyes and Ted Michalos bust common myths and reveal the true influence of credit cards on your financial health. Learn how credit scores work, get expert tips on managing your credit responsibly, and explore strategies to improve your credit standing. Whether yo…

1
529 – Good Debt vs Bad Debt: How to Know When Debt is Smart or Risky 29:45

8M ago29:45

29:45

Is all debt bad, or can borrowing sometimes be a smart financial move? Doug Hoyes and Ted Michalos discuss debt’s dual nature as both a financial tool and a potential burden. They break down the differences between "good debt" and "bad debt," providing clear advice on assessing what's manageable, when taking on new debt might be a smart move, and h…

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528 – Illegal Debt Collection Tactics: Know Your Rights (ft. Blair DeMarco Wettlaufer) 34:25

8M ago34:25

34:25

Back by popular demand: Canadian credit collector Blair DeMarco Wettlaufer! Even if you’re not currently dealing with prohibited debt collectors, this eye-opening episode is captivating and informative. Learn about your rights as a Canadian consumer, the tactics some creditors use to pressure debtors, and how to protect yourself from unethical and …

1
527 – Debt After Death: Can You Inherit Debt in Canada? 30:09

9M ago30:09

30:09

A loved one can leave assets in their will, but what about debts? Can you inherit debt? What makes you legally responsible for debt, and what should you do if creditors come calling? Doug Hoyes and Ted Michalos tackle common concerns about a sensitive topic with a touch of lighthearted fun. They discuss joint accounts and credit cards, the role of …

1
526 – What Canadians Need to Know About Credit Repair 30:28

9M ago30:28

30:28

Is credit repair a scam? Learn the truth from experts about repairing damaged credit, understanding credit scores, and managing debt. Doug Hoyes and Ted Michalos explain essential topics like credit utilization rate, responsible credit card usage, and when you should worry about your credit score. Whether you’re working to rebuild your credit or ai…

1
S1E5 - 4th Trimester and Beyond with Laura Le 24:37

9M ago24:37

24:37

Happy to welcome Laura Le to the show! Laura is a board-certified chiropractor and owner of Best Life Chiropractic and Wellness Center that my entire family has been going to for years. We discuss the myths of chiropractic care, how western and holistic medicine can work hand-in-hand, the roller coaster of birth and postpartum, and owning a busines…

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525 – Why it’s so hard to get out of debt: Family Pressure, Debt Fatigue and Finding Professional Help 32:12

9M ago32:12

32:12

Does it feel impossible to make any progress with your debt? Getting out of debt is a battle against high interest rates, financial traps like payday loans, and the emotional toll that debt takes on your mental health. Doug Hoyes and Ted Michalos explore the hidden factors that keep you stuck, from the predatory lending practices that pile on to yo…

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S1E4 - Hiking the John Muir Trail + Nature Centered Business Ownership with Sarah Kettles Bowlin 31:07

9M ago31:07

31:07

Sarah Kettles Bowlin joins us today to talk about how she left the path of executive leadership to pursue owning land in Terlingua Ranch, which she now hosts wilderness experiences on her campsite, La Loma Camp. She walks through how she hiked the John Muir Trail (Yosemite to Mount Whitney) where she received two pieces of life altering news, it tr…

1
524 – Entrepreneur by Necessity: Business Advice with David Barnett 34:11

9M ago34:11

34:11

Thinking about starting a side hustle or going out on your own? Whether you're a seasoned entrepreneur or a first-timer, this insightful episode with author and business expert David Barnett is packed with valuable advice. David returns to Debt Free in 30 to delve into starting or buying a business out of necessity. Discussing the importance of mar…

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The Power of Community with Dr. Karyne Messina 47:51

9M ago47:51

47:51

Our guest on this episode of the Psychology Talk Podcast is Dr. Karyne Messina. Dr. Messina is a psychologist and child, adolescent and adult psychoanalyst. In addition to maintaining a full-time private practice in Chevy Chase, Maryland, she is on the medical staff of Suburban Hospital in Bethesda, Maryland which is part of Johns Hopkins Medicine.…

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523 – Rising Costs, Stagnant Wages: Practical 2024 Guide for Canadians 24:13

10M ago24:13

24:13

Welcome to Season 11, unofficially deemed our *practical* era. Are your expenses outpacing your income? With inflation rising and wages lagging, many Canadians are feeling financial strain. Doug Hoyes and Ted Michalos discuss why government stats might not tell the whole story, why lowering interest rates won’t solve everything, and share practical…

1
S1E3 - Creative Pillars + Returning to Play with Scott Hoying 1:03:15

10M ago1:03:15

1:03:15

Well, well, well- look who got together to cackle and cry! I have known Scott Hoying for over 16 years and had the honor of having him on the show today. We briefly got into high school lore, but the episode is focused more on creative processes, vulnerability in our work, reprogramming the meaning of success, chasing intentional dreams, burn out, …

1
522 – Hot Button Budgeting Topics (Compilation) 25:59

10M ago25:59

25:59

Pros and Cons of Budgeting: What Works, What Doesn't, and What to Do Instead | Debt Free in 30 | Episode 522 Is budgeting the best way to manage your finances, or is there a more practical approach? Debt Free in 30’s Doug Hoyes discusses the pros and cons of budgeting, breaking down popular budgeting methods like the 50/30/20 rule and the practical…

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S1E2 - Slice of Dreams with Bronwen, Co-Founder of Naughty Pie Nature 50:52

10M ago50:52

50:52

Debut is a show centered around interviewing brand owners on why they made the big jump, how they did it, what they learned, the entire enchilada. Or in this case, pizza. Meet Bronwen Kinzler-Britton, co-founder of Naughty Pie Nature. Bronwen takes us on a journey of growing up in Austin, Tx and having some lost years of knowing something bigger wa…

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521 – Debt Collectors: Practical Advice (Compilation) 28:51

10M ago28:51

28:51

In this eye-opening episode of Debt Free in 30, host Doug Hoyes dives into the world of debt collection with Blair DeMarco of Kingston Data and Credit. Together, they unravel the complexities of debt collection and help you understand your rights from initial contact to facing settlement offers or legal threats. Whether you're grappling with old de…

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