Podcasts about debt free

In this milestone episode, Doug Hoyes and Ted Michalos discuss the biggest myths about debt that refuse to die, the one behaviour that most reliably predicts insolvency, and explain what people who successfully recover from debt tend to do differently. After working with more than 75,000 Canadians over nearly three decades, one theme stands out: debt problems rarely explode overnight. They compound quietly,  and clarity, not optimism, is what changes the outcome. Subscribe to the monthly Debt Free Digest e-newsletter – Don't miss monthly gift card giveaways! Ontario Debt Relief Starting Point Free Budgeting Workbook Debt Relief Calculator Learn more about Canadian debt relief on the Hoyes Michalos YouTube channel 00:00 – What 27 years have taught us about debt 02:30 – Why most debt problems aren't caused by one crisis 05:10 – The biggest myth about debt 08:00 – The temporary mindset trap 11:00 – The one behaviour that predicts insolvency 14:20 – Why minimum payments are more dangerous than they look 17:00 – The "Still Current" illusion and credit scores 20:00 – Utilization normalization: being maxed out feels normal 23:00 – What's structurally different about debt in 2026 26:00 – What people who recover do differently 29:00 – Why debt is a math problem, not a motivation problem 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.  

Are you working for your debt, or is your debt working for you? Kris Krohn breaks down the "bipolar" nature of personal finance by pitting traditional saving advice against modern wealth building. Learn why focusing solely on debt elimination might lead to a "guaranteed failure" in retirement and how to use the power of Arbitrage to turn $30,000 into a residual income machine. It is time to stop being "house rich" and start being "cash-flow wealthy."

Owning a home is supposed to bring stability, but for many Canadian households, the numbers are getting harder to manage. Mortgage renewals at higher rates, unexpected repairs, and rising day-to-day costs can quietly shift a manageable situation into one that no longer works. This conversation explores the early warning signs that homeownership may be becoming unsustainable, including relying on credit to cover housing costs or delaying necessary maintenance. It also looks at practical options homeowners can consider before things become urgent, and why acting early can help preserve both financial control and home equity. (00:00) Owning a home but struggling to afford it (03:05) Mortgage renewals, repairs, and rising housing costs (05:20) The early warning signs that affordability is breaking (08:10) Borrowing to stay housed - why that's a red flag (10:02) The emotional resistance to selling a home (13:05) Why timing matters and protecting your equity (15:10) Downsizing vs. selling and renting (17:45) What happens if you fall behind on mortgage payments (20:05) Talking to your lender and possible relief options (22:30) When homeowners should consider insolvency solutions (25:00) Can you keep your house in a consumer proposal or bankruptcy?   What to do if your mortgage is in arrears? Subscribe to the monthly Debt Free Digest e-newsletter – Don't miss monthly gift card giveaways! Ontario Debt Relief Starting Point Free Budgeting Workbook Debt Relief Calculator Learn more about Canadian debt relief on the Hoyes Michalos YouTube channel 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.

The numbers tell a story of deferred pressure. Consumer insolvency filings in Ontario were essentially flat in 2025, but our latest Joe Debtor study shows debt is still rising as Canadians layer on borrowing across more accounts, cards, and lenders. Doug Hoyes and Ted Michalos look at how these numbers point to a structural shift in the Canadian economy, how "death by a thousand minimum payments" keeps people treading water, and what today's data suggests about the pressure building for the year ahead. Read the Hoyes Michalos 2025 Joe Debtor Study Ontario Debt Relief Starting Point Free Budgeting Workbook Debt Relief Calculator Subscribe to Debt Free Digest Learn more about Canadian debt relief on the Hoyes Michalos YouTube channel 1:05 – What is the Joe Debtor study? 3:20 - Debt layering explained: more accounts, bigger balances, record unsecured debt 7:10 - Credit cards, number of creditors, and the payday loan trap 10:45 - Structural pressure vs temporary problems 14:05 - Pressure #1: food inflation 16:40 – Pressure #2: job unemployment and income instability 19:10 - Pressure #3: high debt, housing, and homeowners showing up in insolvency 21:55 - Why insolvencies haven't surged (yet) 24:30 - Bankruptcies vs consumer proposals – a shift is happening 26:40 - 2026 outlook and practical advice 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.

Today, we'll hear about:  A business owner who added $1.5 million in debt and doesn't know what to do next  Why leaders must stop doing the work to grow the business Why Dave Ramsey recommends starting your own business versus purchasing an existing one How debt increases risk even when growth looks successful Next Steps:

Some Canadians are waking up to a surprise: reduced credit limits, frozen lines of credit, or cancelled credit cards…even with solid credit scores and no missed payments. Banks are pulling back on credit, and a good score might not be enough to protect you anymore. Find out why lenders are reassessing risk, why they are closing unused accounts, and what these changes mean for your finances as we head into 2026. 00:00 – Why people with good credit are losing access to credit 02:30 – Real examples of credit cards being cut or reduced 05:10 – Why this isn't personal, it's structural 07:20 – How banks have shifted from growth to defence 10:00 – Rising credit losses and what banks see first 13:10 – The connection to the 2026 mortgage renewal wave 16:00 – Why credit scores aren't protecting borrowers anymore 18:50 – The "shadow cut": limits reduced without warning 21:30 – Common mistakes borrowers are making right now 24:10 – Practical steps to protect liquidity 26:40 – Why this is a credit cycle shift, not a personal failure Debt Relief Starting Point Free Budgeting Workbook Debt Relief Calculator Subscribe to Debt Free Digest Learn more about Canadian debt relief on the Hoyes Michalos YouTube channel 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.

“The mission for me is simple — more businesses need to be DEBT-FREE.”With that one sentence, Stormy Banks, the Queen of Grants and founder of the Pink Print Firm, shifts the entire conversation about wealth, access, and entrepreneurship.Stormy has helped small businesses secure "over $21 MILLION in grants" — not loans, not credit, not investors… but "real money you NEVER have to pay back".In this episode of "Inside the Vault with Ash Cash", she breaks down:

Financial mistakes kill farm dreams fast. In this episode, Diego talks about why avoiding debt in your first farming year is essential for long-term success and how smart financial decisions create the foundation for a thriving business.   Subscribe for more content on sustainable farming, market farming tips, and business insights!   Get market farming tools, seeds, and supplies at Modern Grower. Follow Modern Grower:  Instagram  Instagram Listen to other podcasts on the Modern Grower Podcast Network:  Carrot Cashflow  Farm Small Farm Smart  Farm Small Farm Smart Daily  The Growing Microgreens Podcast  The Urban Farmer Podcast  The Rookie Farmer Podcast  In Search of Soil Podcast Check out Diego's books:  Sell Everything You Grow on Amazon   Ready Farmer One on Amazon **** Modern Grower and Diego Footer participate in the Amazon Services LLC. Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

“I compare my money journey to people online”… jail or no jail?

In this episode of The FasterFreedom Show, Sam and Lucas tackle a classic (and controversial) investing question: would you rather own a real estate portfolio worth $20 million with $10 million in debt—or a $10 million portfolio that's completely debt-free?They break down the real pros and cons of each path, looking beyond surface-level net worth to talk about cash flow, risk, flexibility, taxes, and long-term growth. The guys walk through how each scenario would realistically evolve over time, how seasoned investors think about leverage versus security, and why the “right” answer depends more on strategy and structure than emotion. This is a grounded, experience-based conversation rooted in how real investors actually build wealth—not internet hypotheticals.To close things out, the episode shifts into Super Bowl mode with a full Super Bowl LX preview, breaking down the matchup, key storylines, and what they're watching for on the biggest stage. Then it gets fun with a draft of the best Super Bowl / game day foods, complete with strong opinions, must-haves, and a few controversial picks.From leverage and long-term wealth strategy to football and food, this episode blends serious investing perspective with the laid-back conversation you've come to expect from the show.FasterFreedom Capital Connection: ⁠https://fasterfreedomcapital.com⁠Free Rental Investment Training: ⁠https://freerentalwebinar.com⁠

Portland Bible College Chapel   Portland Bible College

Want to be debt free? Like & Follow! Hollins Bankruptcy Law Office 888-9-ENOUGH; 888-936-6844 https://linktr.ee/hollinsbankruptcy Texas, Michigan, Tennessee, , www.hollinsbankruptcy.com FREE CONSULTATION: www.8889enough.com Call: 888-9-ENOUGH; 888-936-6844 Michigan, Tennessee, Dallas Fort-Worth . #8889enough.com, #michaelhollins, #michigan, #tennessee, #DFW, #Texas, #HollinsBankruptcyLaw, #DallasBankruptcy, #DFWBankruptcy, #Chapter7Bankruptcy, #Chapter13Bankruptcy, #michiganbankruptcy, #detroitbankruptcy, #flintbankruptcy #tennesseebankruptcy #nashvillebankruptcy #murfreesborobankruptcy #memphisbankruptcy #wagegarnishment, #foreclosure #clarksvillebankruptcy

What does it actually look like when a parent and student commit to graduating college debt-free? In this episode, I sit down with Kelly, a mom and financial advisor who is actively helping her daughter go through college without student loans. We talk through the real conversations that had to happen early — including the moment they decided she would not take student loans — and how having a clear plan changed everything. From a parent's perspective, Kelly shares how being intentional, getting on the same page as a family, and involving her daughter directly in the process made all the difference. We also break down practical steps like getting a job during college, contributing to her own 529 account, and finding campus jobs that allow students to get paid while doing homework. You'll also hear simple explanations of what a 529 account is, how compound interest works, parent loans, and how it compares to a high-yield savings account — all in plain English. If you're a parent, a student, or both, this episode will help you understand how to get started with a real-life debt-free college plan. LET'S GOOOOOO!   Related Episodes: 78 - How to Find $10,000 in Scholarship Opportunities in an Hour a Week 172 - 3 Ways to Search and Find the Scholarships Specific To You 173 - She Paid Off $20,000 in Student Loans in a Few Months, Before Ever Paying Any Interest! Learn How You Can Too (:   P.S. Join me on... Facebook --> Christian College Girl Community ~ Scholarships & Graduate Debt-Free | Facebook Instagram --> @moneyandmentalpeace Email --＞ info@moneyandmentalpeace.com   **Get scholarships and pay for college without student loans!**   Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money?   Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free!   Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!)   During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS.   But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side.   ... and I'm here to walk you through this, too.   If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you!   So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.

Behind on bills and not sure where to start? If money is tight and payments are stacking up, this episode gives you a clear starting point. Doug Hoyes and Licensed Insolvency Trustee Maureen Parent break down what to prioritize first, what can safely wait, how to handle creditor calls, and when it makes sense to look at a more permanent fix. A practical, no-panic roadmap for protecting the basics, stabilizing cash flow, and making informed next steps when the math isn't working. If debt is keeping you up at night, you don't have to endure forever – Start Here Free Hoyes Michalos Budgeting Workbook Debt Relief Repayment Calculator Subscribe to the Debt Free Digest – A free monthly e-newsletter Learn more about Canadian debt relief on the Hoyes Michalos YouTube channel! (00:00) Falling behind doesn't mean you failed (03:10) The first 48 hours: what to pay first (07:00) Rent, mortgage, and car payments: how to prioritize (11:00) Utilities, phone, and internet: hardship options (14:30) Credit cards and lines of credit: what can wait (17:45) Payday loans and why they make things worse (20:30) Taxes and CRA debt: what actually helps (23:00) Calling creditors: what to say and what to track (25:30) Building a 30-day survival budget (28:00) When to consider a formal solution 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.

It's YOUR time to #EdUp with Pierre Dubuc, Co-Founder & CEO, OpenClassroomsIn this episode, President Series #440, powered by ⁠⁠⁠Ellucian⁠⁠⁠, & sponsored by the 2026 InsightsEDU Conference in Fort Lauderdale, Florida, February 17-19,YOUR cohost is Darius Goldman, Founder & CEO, Career-BondYOUR host is Elvin FreytesHow does OpenClassrooms, a public benefit corporation, train & place 43,000 students annually through competency based education, industry mentorship, & employer aligned degrees in high demand fields like cyber, AI, & healthcare?How does the apprenticeship model solve student debt & employer staffing shortages by leveraging state & workforce board funding to make training costless for employers while students learn on the job?Why is AI requiring every student to learn AI skills regardless of field, enabling real time curriculum personalization, & why are apprenticeship degrees eating market share from traditional higher education like in France where 25% of graduate students are now apprentices?Listen in to #EdUpThank YOU so much for tuning in. Join us on the next episode for YOUR time to EdUp!Connect with YOUR EdUp Team - ⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Elvin Freytes⁠⁠⁠⁠⁠⁠⁠⁠⁠ & ⁠⁠⁠⁠⁠⁠⁠⁠⁠ Dr. Joe Sallustio⁠⁠⁠⁠● Join YOUR EdUp community at The EdUp ExperienceWe make education YOUR business!P.S. Want to get early, ad-free access & exclusive leadership content to help support the show? Become an #EdUp Premium Member today! 

Portland Bible College Chapel   Portland Bible College

Millions of Canadian mortgages taken out at ultra-low rates between 2020 and 2022 are now coming up for renewal – at much higher rates. That reality has led many to warn about a "mortgage renewal cliff" in 2026. Doug Hoyes is joined by Ron Butler (Butler Mortgage, Angry Mortgage Podcast) to unpack what's behind the renewal headlines, why renewal is a cash-flow test (not a crystal ball) and how homeowners can think clearly about their options as low-rate mortgages reset. A clear look at who may feel pressure at renewal, and how borrowers can think through their options before renewal letters arrive. 00:00 – What the "mortgage renewal cliff" actually means 03:10 – Which mortgages are renewing in 2026 06:00 – Why renewal math is very different from origination 09:30 – How bond yields flow through to mortgage rates 12:30 – Cash flow vs home equity at renewal 16:20 – Who is most at risk — and why 20:10 – House prices, equity, and renewal decisions 23:40 – Why even small delinquency increases matter 26:10 – How borrowers should think about renewal decisions 29:15 – Why renewal is a math test, not a market prediction Butler Mortgage Angry Mortgage Podcast on YouTube  Scott Terrio on the Angry Mortgage Podcast Ron Butler live stream on Debt Free in 30  Mortgage Rate Charts Butler Mortgage Rates   Butler Mortgage Calculator   Toronto Real Estate Price History Subscribe to Debt Free Digest Newsletter – Don't Miss the Chance to WIN a Copy of The Wealthy Barber! Other sources:  https://www.bankofcanada.ca/2025/07/staff-analytical-note-2025-21/  https://www.bankofcanada.ca/2025/01/staff-analytical-note-2025-1/  https://wowa.ca/infographics-finance-realestate-canada/mortgage-renewals-of-major-canadian-lenders  https://www.canadianmortgagetrends.com/2025/10/canada-faces-400-mortgage-payment-spike-how-banks-are-preparing-for-the-renewal-storm/  https://economics.bmo.com/en/publications/detail/f9a87ba8-9962-4265-a2a9-e51303e269ca/  https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=3310053001    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.  

⁠

This week, Laura interviews Jocelyn Pearson from The Scholarship System about how to reduce the cost of college and graduate debt-free.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week on Rising Up For Justice, Jim Walsh, Policy Director for Food & Water Watch joins us.

Portland Bible College Chapel   Portland Bible College

Today, Joyce shares healthy attitudes toward money, and practical wisdom for becoming debt-free. Watch now.

EAB's Paul Gunther sits down with University of Central Arkansas President Houston Davis to reflect on the first year of the UCA Commitment, an ambitious effort to create a debt-free pathway to a college degree for eligible students across the state. President Davis shares what's working, what's been harder than expected, and the lessons his team has learned since launch. The conversation offers practical insights for university leaders looking to improve affordability while navigating other complex institutional challenges.

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: should I prioritise saving, investing, overpaying the mortgage, or children's savings for our new baby? I want to retire early; do I need to pay for National Insurance to get a full state pension? Should I overpay my postgraduate loan? Robert tells us his inspiring story about finally becoming debt-free for the first time in his adult life and asks Martin what he could do with his money next. Plus, does Martin dye his hair? You'll be surprised by his answer!If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you've always wanted to know what time his alarm goes off, if he's got any pets, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

My friend! Are you confused about how to graduate from college debt-free? Whether you're already in school or beginning in the fall, I have 4 steps to help you get started!!!! LET'S GOOOOOOOOOOOOOO!!! Related Episodes: 2 - How I Earned a Degree for $1200! Colleges Don't Want You to Know This Best-Kept Secret 110 - How to Find $10,000 in Scholarship Opportunities in an Hour a Week 146 - This New Year's resolution has me on track to become a millionaire! Only takes 20 mins a week (: P.S. Join me on... Facebook --> Christian College Girl Community Instagram --> @moneyandmentalpeace Email --＞ info@moneyandmentalpeace.com Some great apologetics books to feel confident and grounded in your faith! Jesus Skeptic The Case for Christ The Case for a Creator  The Case for Heaven Proving Christ's resurrection  ** Find God's Path for College and Graduate Loan and Debt-Free ** Do you want guidance on where to go and what to study… wonder if you should change majors? Do you find yourself up late at night searching for scholarships, and ways to pay for college without parental help? Do you wake up worried about everything, and just want to make sure you're following God's plan for your life? In this podcast for Christian college girls, you will learn to find GOD'S path for your college journey, and graduate with no loans or debt! I get it! It is so tough doing things the world‘s way, when everybody else is doing life without God and in their own strength, making poor choices, and taking out loans. So, if you're ready to stop dreading making decisions, and find EASY solutions to help you pay for college while following His path for your life, this podcast is for you! Hey there! I'm Kara Walker, a twenty-something entrepreneur, amateur snowboarder, recovering over-achiever, and debt-free college graduate. In college, I too was a stressed college student, looking for money and mental peace. I wondered if there were other ways to pay for college besides loans, and wished for clear direction on how to make college and career decisions! Not only was I worried about drowning in debt, but also afraid I hadn't heard Jesus correctly. Was I studying the wrong thing? Was I completely off track? I felt semi-out of control and was spiraling, until I learned how to hear from God and follow His direction. He guided me and gave me the stepping stones to pay for college.  Scholarships, grants, testing out of classes, and other weird school hacks got me through debt-free! And, I'm here to teach you HOW to do this, too. If you are ready to find answers about your future, have an intimate and fruitful relationship with Jesus, and have enough money to KILL it at college, this pod is for you! So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.

More and more high-income Canadians are finding themselves under financial pressure. Doug Hoyes and Ted Michalos examine the shift they are seeing firsthand and challenge some common assumptions about who struggles with debt. They discuss how rising costs, borrowing capacity, and income complexity can quietly change financial outcomes, even for people who appear financially secure. Subscribe to the Debt Free Digest Newsletter Here – Don't Miss the Chance to Win a Copy of The Wealthy Barber Book! CPI Data Statistics Canada Debt Free in 30: What's Breaking Canadian Consumers' Budgets? Need Help with Debt?                                                    If debt is keeping you up at night, you don't have to endure forever. Start here! Free Budgeting Workbook – Hoyes Michalos  Debt Relief Calculator  01:10 – The myth of the "typical" insolvency filer 05:10 – Rising share of higher-income insolvency filings 07:20 – Inflation and rising living costs 09:40 – Housing costs, mortgages, and payment shock 12:00 – Lifestyle creep and fixed-cost stacking 14:30 – Variable income vs fixed monthly obligations 16:40 – Easy access to credit and leverage loops 21:30 – High income vs real cash-flow health 23:40 – When refinancing and balance transfers fail 27:20 – Practical next steps for high earners in trouble 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.

In this episode of The FasterFreedom Show, Sam and Lucas challenge one of the most common pieces of financial advice out there—that being debt-free is the ultimate goal. They break down why being completely debt-free isn't the flex most people think it is, especially when it comes at the expense of long-term wealth building.The guys walk through the critical differences between good debt and bad debt, explaining how debt tied to depreciating consumer purchases can hold you back, while debt used to acquire cash-flowing assets can actually accelerate financial freedom. Using real estate as the core example, they explain how leverage works, why it's been a foundational tool for wealthy investors for decades, and why owning assets that pay off your debt beats eliminating debt at all costs.They also talk through the mindset shift required to move from “debt avoidance” to intentional debt usage, and how this approach allows investors to scale faster, create optionality, and build income streams that outlive the loans attached to them.To wrap things up, Sam and Lucas switch gears and preview the NFL Playoffs Divisional Round, breaking down the matchups, key storylines, and which teams they trust to advance as the postseason heats up.From challenging conventional wisdom to playoff football, this episode blends real estate strategy, financial perspective, and the candid conversations you've come to expect from the show.FasterFreedom Capital Connection: ⁠https://fasterfreedomcapital.com⁠Free Rental Investment Training: ⁠https://freerentalwebinar.com⁠

Portland Bible College Chapel   Portland Bible College

Sleep better, debt free.

Financial planning doesn't have to start with investing or retirement, and it doesn't require everything to be "under control" first. This is a practical, non-judgmental conversation that explains what financial planning really means, how it differs from budgeting, and where to start when money is tight or debt is part of the picture. You'll be able to understand cash flow, set priorities, and reduce stress by knowing what to tackle first – even during a consumer proposal or bankruptcy. Subscribe to Debt Free Digest Newsletter – Don't Miss the Chance to WIN a Copy of The Wealthy Barber! Need Help with Debt? If debt is keeping you up at night, you don't have to endure forever. Start here! Debt Free in 30: Getting Out of Debt Requires a System Debt Free in 30: Budget Without Burnout Free Budgeting Workbook – Hoyes Michalos  Debt Relief Calculator  00:00 – Why most people don't start planning until a crisis 03:30 – What financial planning really means 07:45 – Budgeting vs financial planning 12:20 – Why prioritization matters more than perfection 17:30 – Where to start when money is tight 20:10 – Planning to deal with debt 25:10 – When a consumer proposal becomes part of the plan 29:15 – Why having a plan reduces stress 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.

Portland Bible College Chapel   Portland Bible College

David Chilton, author of The Wealthy Barber and one of Canada's most influential voices on personal finance, joins Doug Hoyes on Debt Free in 30 for an extra special double–long episode. Doug and David dig into the issues Canadians are struggling with most: the true cost of inflation, a "K-shaped" economy, housing affordability, rising student debt, the growing gap between financial knowledge and financial discipline, and more.  Subscribe to Debt Free Digest Newsletter – Don't Miss The Chance To Win a Copy of The Wealthy Barber Buy the Wealthy Barber on Indigo Buy the Wealthy Barber Audiobook The Wealthy Barber – David Chilton's Web Page 00:00 – David Chilton on the updated Wealthy Barber book 02:27 – Why storytelling works for personal finance (and how he tested it) 06:52 – TFSA vs RRSP: how to decide in real life 15:21 – Financial literacy vs discipline in today's economy 18:29 – "K-shaped" Canada: who's thriving and who's squeezed 21:27 – First steps: debt payoff vs RRSP match priorities 22:54 – Spending summaries vs budgets: the method that actually changes behaviour 34:29 – Housing affordability, down payments, and parental help 38:06 – Gambling, meme stocks, crypto: a fast-growing driver of debt trouble 55:16 – Hope and next steps: learning money basics + building side income Need Help With Debt? If debt is keeping you up at night, you don't have to endure forever. Talking to a Licensed Insolvency Trustee isn't about filing sooner — it's about understanding your options and reducing stress. Learn more at:  https://www.hoyes.com 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.

Portland Bible College Chapel   Portland Bible College

Grab my Achievement Roadmap framework here: https://live.geronimoacademy.com/achievement-roadmap Want to access more of my proven systems to grow your business without burnout? Go here: https://bit.ly/44XoX5w Picture this: you're standing on the deck of a 52ft boat, eagle flying overhead, on your way to Hawaii with your dream clients… and you realise you wrote this exact moment down in a vision book three years ago. That's exactly what just happened. And at this point, it's too cooked to call it “luck” anymore. In this episode, we're unpacking the exact Achievement Roadmap framework we use with our team and our studio owners to turn “one day” goals into “holy sht, it actually happened” reality, in business, body, bank account and life. We're talking vision books, Power 12, Separation Sunday, eagles, crows, boats, Broncos, net growth records… and why once you get this right, you honestly have to be careful what you put on the roadmap, because it will come true. Here's what we're covering: -The wild story of a made-up vision book that turned into Hawaii, boats, and record-breaking growth -What an Achievement Roadmap actually is (and why your goals keep stalling without one) -The “Holy Trinity”: Achievement Roadmap, Power 12 and Separation Sunday working together -How to turn 5-year studio goals into daily standards you actually follow through on -Why your environment matters more than your willpower (and how to get in the right arena) -Real client examples: from stuck and vague to new locations, dream teams and $100k months -The power of milestones and rewards (and why most owners are terrible at both) -How to reset and upgrade your roadmap once you hit your “dream” goals faster than expected … and a whole lot more Connect with us: My website: ⁠https://thegeronimoacademy.com ⁠ IG Geronimo: ⁠https://www.instagram.com/thegeronimoacademy⁠ IG Hey.Doza: ⁠https://www.instagram.com/hey.doza⁠ LinkedIn: ⁠https://au.linkedin.com/in/andrewhandosa⁠ Don't forget to like, subscribe, and comment below with your biggest takeaway. We read them all. Connect with us: My website: https://thegeronimoacademy.com IG Geronimo: https://www.instagram.com/thegeronimoacademy IG Hey.Doza: https://www.instagram.com/hey.doza LinkedIn: https://au.linkedin.com/in/andrewhandosa Chapters: ⏳ [00:00] Big Fck-Off Boats & Hawaii: When Your Vision Book Comes True ⏳ [06:40] From Vivid Vision to Achievement Roadmap: How It All Started ⏳ [13:20] The “Day Rock” Story: Unlocking Big Hires With Big Targets ⏳ [20:30] Power 12, Screensavers & Why You Must Be Careful What You Write Down ⏳ [26:50] Team Wins: Weight Loss, Investing, Debt-Free and Dream-Living ⏳ [33:00] In the Arena: Doing the Same Work We Ask Our Studio Owners to Do ⏳ [40:05] Milestones, Rewards & Why Money Alone Won't Fill the Meaning Gap ⏳ [46:30] Case Studies: Studios Hitting 5-Year Visions in 6–12 Months ⏳ [52:10] Why This One System Alone Can ROI Your Entire Membership ⏳ [58:00] Decide, Do, Declare: Your Next Steps With the Achievement Roadmap

Are you tired of setting the same goals year after year with nothing to show for it? If December 2025 looks exactly like December 2024, it's time for a new approach.In this episode, Ashleigh Mayfield breaks down the 7 essential life categories you need to address if you want 2026 to be your breakthrough year. Drawing from nearly a decade of coaching women and her own journey to paying off $63,801.99 in just six months, Ashleigh delivers a no-fluff framework for creating lasting change.What you'll learn:Why most people fail at their goals (and it's not what you think)The 7 pillars every vision board needs to includeHow to identify what fills your cup vs. what drains youThe mindset shift that separates those who quit from those who succeedWhy "every time I choose to stop, I disqualify myself" changed everythingPractical strategies for accountability, financial freedom, and building real communityWhether you're building a business, strengthening your marriage, getting your health back on track, or deepening your faith—this episode gives you the roadmap to stop planning to fail and start executing with intention.Key Topics: Goal setting, vision boards, New Year planning, personal development, financial freedom, debt payoff, mental discipline, Christian living, work-life balance, accountability, building community

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 enduring. If you're paying your bills but still feel like you're drowning, this episode is for you. Coming Up Next Next episode: a special double episode with David Chilton (The Wealthy Barber) — a practical conversation about money, debt, and what Canadians are really facing heading into 2026.  2025 Predictions Show Office of the Superintendent of Bankruptcy, Insolvency Statistics Statistics Canada, Household debt levels (including credit cards) Statistics Canada, CPI (Inflation) Mortgage Rates, Bank of Canada Hoyes Michalos Homeowners Bankruptcy Index TransUnion, Canadian Consumer Debt Continues to Grow Despite Macroeconomic Relief Hoyes Michalos Credit Repair Strategies and Rebuilding Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario In This Episode, You'll Learn: · Why people don't file when debt rises — they file when cash flow breaks · How inflation pushed credit card balances higher without immediate defaults · Why paying the minimum isn't a solution — it's a delay · How balance transfers and mortgage equity are masking financial stress · Why insolvencies tend to stay flat, then jump · What would trigger a surge in personal insolvencies · Our 2026 insolvency predictions for Ontario · Why relief isn't failure — and how getting advice early preserves options (00:00) You're Not Failing — You're Enduring (02:30) Debt Is Exploding, So Why Aren't Bankruptcies Rising? (05:20) People Don't File When Debt Rises — They File When Cash Flow Breaks (08:10) Why Credit Card Debt Is Rising Without Defaults (11:00) Paying the Minimum Is Buying Time — Not Solving the Problem (14:00) Who's Carrying the Debt Now (And Why That Matters) (17:10) Why Inflation Changed How Insolvencies Work (20:20) The Hidden Delay: Interest Rates Haven't Fully Hit Yet (23:40) Mortgage Equity Is Masking Financial Stress (27:00) Why Insolvencies Don't Rise Gradually — They Snap (30:00) Why Convexity Shows Up Later (32:40) The Paperclip Effect: Endurance vs. Breaking (34:10) What Would Trigger a Surge in Insolvencies? (35:30) Our 2026 Insolvency Predictions (38:00) Relief Isn't Failure — It's a Reset 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.

Portland Bible College Chapel   Portland Bible College

In this reflective year-end episode, host Paul Jamison looks back on the biggest wins and lessons from the year, while sharing an inspiring guest segment from Andy Mulder on how he eliminated debt and built multi-millionaire wealth in the green industry.

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 explain which assets are protected under Canadian insolvency law, which are at risk, and when cashing out savings can do more long-term harm than good. CRA TFSA Contribution Calculator Bankruptcy & Insolvency Act, paragraph 67  Hoyes Michalos Credit Repair Strategies and Rebuilding Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario (00:00) Debt and investments: will savings survive serious debt? (02:10) The fear of "losing everything" when seeking debt help (04:20) Pressure to cash in investments before asking for help (06:30) Using a TFSA to pay debt: when it makes sense (09:10) RRSP withdrawals and the real tax consequences (12:45) Why multiple RRSP withdrawals don't reduce total tax owed (15:30) What happens to RRSPs and pensions in bankruptcy (18:40) Which investments are not protected in insolvency (21:30) Consumer proposals vs. bankruptcy: what you keep (24:30) Can you still invest while repaying debt? 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

Book a free Discovery Call to see how we can help you hit your goals and beyond: https://bit.ly/3TvGiNW or call us at: (214)-453-1591   

What if you could make $900 in a single day buying and reselling lawnmowers? Dave Wilson, also known as @MoneyCoachDave, made over $50,000 flipping lawnmowers while in college. The side hustle helped him graduate debt-free and taught him valuable skills in buying, fixing, and reselling equipment. It's a buy low, sell high model that works whether you're flipping lawnmowers, cars, or other equipment. And it's a skill that can recession-proof your income. Listen to Episode 713 of the Side Hustle Show to learn: how to source underpriced lawnmowers (including the best-kept secret) what to look for when buying (and what to avoid) how to fix common issues and flip them fast Full Show Notes: I Made $50k Flipping Lawnmowers and Graduated Debt-Free New to the Show? Get your personalized money-making playlist ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Sponsors: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Indeed⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – Start hiring NOW with a $75 sponsored job credit to upgrade your job post! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Quo (formerly OpenPhone)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 20% off of your first 6 months! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Shopify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Sign up for a $1 per month trial! About The Side Hustle Show This is the entrepreneurship podcast you can actually apply! The award-winning small business show covers the best side hustles and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠side hustle ideas⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. We share how to start a business and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠make money online⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and offline, including online business, side gigs, freelancing, marketing, sales funnels, investing, and much more. Join 100,000+ listeners and get legit business ideas and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠passive income⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ strategies straight to your earbuds. No BS, just actionable tips on how to start and grow your side hustle. Hosted by Nick Loper of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Side Hustle Nation⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Portland Bible College Chapel   Portland Bible College

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 know when it's time to get professional help. Ontario Limitations Act Collection Agency Rules, Ontario Search the Ontario government's website to verify that a collection agency is licensed here Hoyes Michalos Credit Repair Strategies and Rebuilding Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario (00:00) Why debt collectors are busier than ever (02:00) What's driving higher delinquencies in Canada (04:10) When creditors typically begin collection efforts (06:00) What collectors want besides money (08:00) How small payments or acknowledgments reset the 2-year clock (10:00) Why collectors ask for employer and contact information (12:00) Should you answer if you can't pay? (14:00) How to verify a real collector vs. a scam (17:00) Your rights when dealing with collection calls (19:00) When it's time to speak with a Licensed Insolvency Trustee 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.

Portland Bible College

Join an active community of RE investors here: https://linktr.ee/gabepetersenINDUSTRIAL REAL ESTATE INVESTING WITHOUT DEBT

Shellee Howard is the Founder and CEO of College Ready and CR Future Now, a Certified Independent College Strategist, and a best-selling author. A member of HECA and SOFA, she helps students gain admission to their best-fit colleges—often debt-free. As a mother of four, Shellee has firsthand experience with college success. Her son graduated debt-free from Harvard, earned his MD from UCSD, and is now an Orthopedic Surgery Resident at UCLA. Her daughter earned her BSN debt-free and became an RN in 2021. A sought-after speaker and consultant, Shellee has guided hundreds of students worldwide to top universities, ensuring they graduate debt-free and land jobs they love. Shellee also hosts the podcast, Parents: Is Your Teen College Ready?

We're Debt Free. Now What? After years of paying off debt, many families wonder what to do next. In this episode, we answer a question from Brian in Michigan, who just became debt-free with his wife and wants to know how to make the most of their extra $1,000 per month. We share five time freedom moves to help families use that money wisely, from building an emergency fund and reassessing insurance coverage to investing for Coast FIRE and starting a 529 plan for their new baby's future. We also discuss how to avoid lifestyle inflation and use money to buy time, not things. Then, in our Be The Change segment, we talk with Keith Wargo, President and CEO of Autism Speaks, about financial planning for families with special needs children and how their organization supports parents navigating the system. Finally, we wrap up with a fun Money Quiz featuring Calvin Hill, testing his financial knowledge on debt, giving, and net worth. PODCAST CHAPTERS 00:00 – Use money to buy time, not things 00:22 – Welcome and episode overview 01:00 – Question of the month from Brian in Michigan 02:10 – Step 1: Build savings and your safety net 03:40 – Step 2: Reassess insurance coverage 05:00 – The power of protecting your family 06:20 – Step 3: Invest for Coast FIRE 07:30 – Our Coast FIRE journey and growth 09:00 – Step 4: Start a 529 plan for your child's future 10:00 – Lump sum investing and early start benefits 11:00 – Step 5: Focus on time freedom, not lifestyle inflation 14:00 – Be The Change with Autism Speaks 15:00 – Financial planning for special needs families 16:45 – ABLE accounts and special needs trusts 23:00 – How to get started with financial planning 25:30 – How to support Autism Speaks 28:20 – Money Quiz with Calvin Hill 34:20 – Closing message: time, freedom, and family RESOURCES & NOTES

In this powerful and transparent episode of Journey to Launch, I sit down with Nika Booth, award-winning financial coach, content creator, and founder of Debt Free Gonna Be, to unpack how she paid off more than $200,000 in debt while refusing to sacrifice joy along the way. From student loans and credit card balances to IRS debt and government furloughs, Nika shares the raw truth behind her financial journey, the highs, the setbacks, and the emotional lessons that reshaped her mindset about money, self-worth, and freedom. She opens up about her early money mistakes, growing up in a household where finances weren't discussed, and how the 2019 federal shutdown became the wake-up call that sparked her debt-free mission. Nika also reveals what it really felt like to finally see her student loan balance hit $0, and how she's now helping others find hope, healing, and fun in their own money journeys. In This Episode, You'll Learn: How Nika Booth paid off over $200K in debt from credit cards to student loans, without sacrificing fun or joy The pivotal 2019 federal shutdown that sparked her debt-free journey and reshaped her money mindset What it really felt like to finally see her student loan balance hit $0 through Public Service Loan Forgiveness How she turned Debt Free Gonna Be from a personal goal into a thriving community helping thousands manage money with confidence Other related blog posts/links mentioned in this episode: Free Shutdown Resource List Crush Your Credit Card Debt Course Get your copy of Your Journey To Financial Freedom if you haven't already. Apply to Share Your Journeyer Story, here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Nika: Website: DebtFreeGonnaBe.com Instagram: @DebtFreeGonnaBe Twitter: @DebtFreeGonnaBe Facebook: @DebtFreeGonnaBe Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

Should you pay off all your debt before investing? Or is that costing you years of financial freedom? In this episode, we're tackling the debate that divides the FIRE community: aggressive debt payoff versus strategic debt management. We break down two real case studies to show you exactly when to prioritize debt payoff and when to invest alongside debt. You'll discover: The interest rate threshold where investing beats debt payoff (and why it matters) Student loan strategies that most people get completely wrong How to calculate whether you should pay off debt or invest  Two detailed case studies with specific recommendations you can apply to your situation This isn't about telling you debt is good or bad—it's about giving you the framework to make the right decision for YOUR financial situation. Whether you're drowning in debt or debt-free and wondering if you made the right call, this episode will change how you think about the relationship between debt and building wealth. Learn more about your ad choices. Visit megaphone.fm/adchoices