Apr 25, 2026

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 lead to confusion, and what it means for your money. You’ll also learn how to ask better questions...

Apr 18, 2026

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, even when you are trying your best to stay on top of things, the situation can quietly get worse.

This...

Apr 11, 2026

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...

Apr 4, 2026

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 off tax debt might work, and when it creates bigger financial risk. From self-employed Canadians stuck...