Dec 27, 2025
Debt is at record highs, yet insolvencies are flat. Why? In this episode of Debt Free in 30, Licensed Insolvency Trustees Doug Hoyes and Ted Michalos explain a financial paradox that’s leaving millions of Canadians stressed, exhausted, and confused.
The answer isn’t that people are okay. It’s that people are...
Dec 20, 2025
If you’re carrying serious debt but also have money in an RRSP, TFSA, or other investments, one of the biggest fears is this: Will I lose everything if I get help?
Doug Hoyes and Ted Michalos, Licensed Insolvency Trustees, break down what actually happens to your investments when debt becomes unmanageable. They...
Dec 13, 2025
Debt collectors are contacting Canadians more than ever. In this episode, Doug Hoyes and Ted Michalos explain why activity is increasing, what collectors are actually looking for, and how to respond without accidentally restarting the clock on old debts. They also cover how to spot scams, understand your rights, and...
Dec 6, 2025
Start investing because your numbers say “go,” not because the
internet says “now.”
This episode will remove the guesswork from entering the world of
investing and provide a straightforward way for you to judge your
readiness. Using simple math in layman’s terms (think “why paying
20% interest beats chasing...