Podcasts about debt free

Portland Bible College Chapel   Portland Bible College

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

This conversation, on today's show, explores the evolving concept of retirement, emphasizing the importance of planning beyond just financial aspects. Host Nathan Fort discusses the significance of relationships, the need for clarity and control in financial planning, and strategies to manage longevity risk and emotional investing. Nathan encourages listeners to rethink retirement as a fulfilling phase of life rather than just a cessation of work, highlighting the necessity of a comprehensive retirement plan that includes income strategies and personal goals. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

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

Sue Hickey, Mayor of Glenorchy City Council, joins Kaz and Tubes for this week’s Mayor on the Air segment, chatting about the council being debt-free, and the possibility of amalgamating with the City of Hobart.See omnystudio.com/listener for privacy information.

In this episode of Retire Fit Radio, Nathan Fort discusses the importance of retirement savings and common missteps that can hinder financial security. He emphasizes the need for early planning, understanding cash flow, and the impact of unexpected windfalls on retirement strategies. The conversation also covers the significance of having a clear financial plan to navigate market volatility and the role of annuities in retirement income. Listeners are encouraged to seek professional guidance to enhance their financial clarity and confidence. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

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 a maybe 10% return"), we discuss what to do first, how to keep bills safe from market swings, and when it makes sense to get professional help. (00:00) Welcome Charlie Kovacs from Hoyes Michalos (02:00) Do Canadians need to take big risks to get ahead? Myth vs. Reality (05:00) Pay debt vs. Invest (08:00) Fitness Test: Do you know your ins and outs?   (11:00) Using your credit score as a tool, not a toy (13:00) Emergency fund and liquidity (16:30) Defining your "why" goals (20:00) Is saving for a first home realistic? (23:00) Are you knowledgeable enough to invest? Core concepts to know (27:00) Choosing vehicles: TFSA, RRSP, employer match, and more Should You Use a Bonus to Pay Debt or Invest? Which Debts Should You Pay First? What is the Right of Offset and What Should You Do About It? 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 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.  

With housing costs, student loans, and everyday expenses skyrocketing, more young adults are turning to their parents for financial support. Doug Hoyes and Ted Michalos unpack the emotional, financial, and practical realities behind "helping" adult children, including why many parents feel compelled to assist, and break down the real risks of co-signing, lending money, or tapping home equity to solve a child's debt issues. (00:00) How costs, debt, and housing pressures shape young adults' expectations (03:10) Why parents feel compelled to help financially (06:20) When helping becomes risky for parents approaching or in retirement (10:00) Enabling, dependency, and how money strains family dynamics (12:00) Co-signing explained: what parents are really responsible for (13:30) When support prevents children from developing budgeting or financial skills (15:05) Alternatives to direct financial help (17:10) When to involve a Licensed Insolvency Trustee (18:40) Conditional help vs. open-ended rescue (25:00) Key takeaway: protect your own financial future first How Can I Help My Adult Child With A Lot Of Debt? Joint Consumer Proposal – Who Can File Together? DIY Free Credit Repair Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario 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.

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

Linh Dang has bought FIVE investment properties & plans to buy her Melbourne PPOR mortgage-free! ❤️ I'm proud to call her a client of the Property Investment Accelerator.

Turn your home equity into a plan, not a panic button! This episode gives a clear, practical checklist for using a HELOC or second mortgage wisely: how they work, what they cost, when they help, and when alternatives (like a consumer proposal) will protect your cash flow and your home better. Listen first, then decide with the numbers. (00:00) Toronto condo stress and Welcome to Scott Terrio (05:00) What a HELOC is and how it works (07:30) Second mortgages: key risks (09:00) Home "value" is changing in this market (11:00) HELOC pitfalls and personal risk (15:30) Why many homeowners resist selling (17:00) Could creditors place a lien anyway? Get the numbers (21:00) Banks can cut credit access—even existing limits (25:00) Snapshot of cash flow: budget vs. "budgeting," emergency funds (31:00) Rebuilding plan: why it isn't too late Think Twice Before Getting a Home Equity Line of Credit Episode with Scott Terrio  – Debt Free in 30 HELOC Debt: Is a Home Equity Line of Credit Right for You? Hoyes Michalos DIY Free Credit Repair Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario 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.

Interview with Nic Earner, Managing Director of Alkane Resources Ltd.Our previous interview: https://www.cruxinvestor.com/posts/alkane-resources-asxalk-post-merger-gold-producer-targets-180k-aueq-ounces-7916Recording date: 17th November 2025Alkane Resources has successfully completed its transformational merger with Mandalay Resources, establishing itself as a diversified mid-tier gold producer with three operating mines across Australia and Sweden. The integration, finalized in August 2025, has delivered on all key strategic objectives while positioning the company for its next phase of growth in a strengthening gold price environment.The merger has transformed Alkane's market profile substantially. Production guidance now stands at 160,000-175,000 ounces annually, with management targeting a 180,000-ounce run rate by next year. Market capitalization has expanded from approximately A$900 million at the pro-forma merger date to around A$1.4 billion currently. Trading liquidity has improved dramatically, with daily ASX turnover reaching A$8 million and the company securing placement in the ASX 300 index while approaching ASX 200 status.Perhaps most significantly, Alkane maintains a pristine balance sheet with A$170 million in cash and bullion and zero debt beyond equipment financing. This financial strength, combined with the company's largely unhedged production profile, creates substantial cash generation capacity. Managing Director Nic Earner explained the mathematics: with 80% of production unhedged, "each 100 bucks you add to the gold price, it's 15 million bucks" in additional cash flow.Looking ahead, management has established a 12-month timeline for potential acquisitions while maintaining strict jurisdictional discipline, focusing exclusively on tier-one regions including Australia, New Zealand, USA, Canada, and Scandinavia. Simultaneously, operational priorities center on cost reduction at Sweden's Bjorkdal mine, where initiatives could reduce all-in sustaining costs by 20-25% from US$2,700 to approximately US$2,200 through production increases and grade optimization.The company's disciplined capital allocation framework, operational focus, and accelerating cash generation position Alkane as a compelling investment opportunity in the current gold market environment, with management emphasizing that superior cash accumulation should drive valuation re-rating versus comparable peers.View Alkane Resources' company profile: https://www.cruxinvestor.com/companies/alkane-resourcesSign up for Crux Investor: https://cruxinvestor.com

Let's always remember that God's hand is never too short. When we pray in faith, God may reveal wisdom and opportunities so that we can be debt-free. All Rights Reserved, CBN Asia Inc.https://www.cbnasia.com/giveSupport the show

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?

Hey there! This is the final episode of my special four-part series on college, and honestly, it might be the most important one yet. I'm sharing this with you to celebrate the launch of my 14th book, The Truth About College, hitting stores on December 4th. Today, I'm giving you the strategies you've been waiting for - eight powerful ways to help your teen graduate college in four years, completely debt-free, and on the dean's list. We're talking about real money-saving tactics here, not just theory. I'll walk you through everything from earning college credit in high school through AP and Dual Enrollment classes, to taking advantage of CLEP and DSST exams that can cut years off your degree timeline. Yes, I'm even going to make the case for community college - and before you tune out, hear me out on why this could save you over $100,000. We'll explore how 35 states now offer free community college, and 25 states provide free four-year degrees. I'll tell you about major employers like Amazon, Starbucks, and Disney, who will pay for your teen's entire education while they work full-time. But here's the kicker - I'm giving you an exclusive preview of my book's final chapter: "The 12 Biggest Mistakes Students Make." From rushing into college to not realizing AI might eliminate their chosen career field, these mistakes could cost your family hundreds of thousands of dollars. This is practical, actionable advice that could literally change your teen's financial future. Don't miss it! Ready to help your teen avoid the college trap and find their path to success? Pre-Order The Truth About College Now for Exclusive Bonuses:  https://thetayf.com/college/ #CollegePlanning #RicEdelman #TruthAboutCollege #StudentDebt #CollegeGoals #HigherEducation #ParentingTips #CollegeSuccess #StudentLoans #CollegeCosts #EducationPlanning #CollegePrep #FinancialPlanning #CollegeAdvice #StudentSuccess #EducationStrategy #CollegeDecisions #CollegeMyths #StudentMentalHealth #CollegeROI #EducationInvestment #CollegeAlternatives #CareerPlanning #StudyTips #AcademicSuccess #CollegeReadiness -----   Follow Ric on social media:   Facebook: ⁠https://www.facebook.com/RicEdelman⁠ Instagram: ⁠https://www.instagram.com/ric_edelman/⁠ LinkedIn: ⁠https://www.linkedin.com/in/ricedelman/⁠ X: ⁠https://twitter.com/ricedelman⁠ YouTube: ⁠https://www.youtube.com/@RicEdelman⁠

How do you build wealth? In this episode, Art walks through seven practical steps for growing your net worth from a biblical perspective. Plus, he answers two listener questions—one about using a Coverdell ESA for homeschool expenses and another about pursuing a master's degree without taking on debt.Resources: 8 Money MilestonesChristian Money HelpAsk a Money Question!

David Kibler's message on Sunday, November 16th, 2025 at Catalyst Christian Church.

Many Ontario small business owners use personal credit to get a venture off the ground, because banks rarely lend to brand-new businesses. That convenience can help with early cash-flow gaps and sometimes costs less than a high-risk business loan, but it also creates serious personal exposure: guarantees, blurred books, CRA headaches, and credit-score damage. Doug and Ted walk through when using personal debt might make sense, the major risks to watch for, and practical ways to structure your finances. (00:00) Self-employment: Opportunity vs. Necessity (02:00) Capital-Intensive vs. Lean Start-Ups (with examples) (04:00) Why banks don't fund brand-new businesses and what "collateral" means (06:30) Pro #1- Easier access to credit for start-ups (08:00) Pro #2 - Cash flow and other short-term advantages (09:30) Con #1- Personal liability: when business failure becomes personal insolvency (12:00) Con #2 - Blurred finances: bookkeeping pitfalls, CRA risk, and collection stress (14:00) Con #3 - Credit-score impact: utilization and missed-payment damage (16:00) Best practices and tips (19:00) The three roles every small business owner needs Debt Traps of Buying a Business with David Barnett – Debt Free in 30 Bad Funding Choices for Small Businesses with David Barnett – Debt Free in 30 Want to Buy a Business?  Here's What to Know First – Debt Free in 30 Starting or Buying A Business Out of Necessity – Debt Free in 30 DIY Free Credit Repair Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario 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 Above Board Podcast, John talks with Shellee Howard, college planning expert, founder of College Ready, and author of How to Send Your Student to College Without Losing Your Mind or Your Money. Shellee shares how families can navigate the college process with confidence by finding the right school, minimizing debt, and making smart decisions from start to finish. Whether your student is a freshman or a senior, this conversation will help you plan with purpose and peace of mind. Learn more at www.collegereadyplan.com Get Shellee's book: How To Send Your Student To College Without Losing Your Mind or Your Money   00:18 Meet Shelly Howard: College Planning Expert 01:17 Shelly's Personal Journey into College Planning 02:56 Building a Strategy for College Planning 06:48 The Importance of Passion and Purpose 12:01 Challenges Faced by High School Counselors 16:49 Empowering Students to Make Big Decisions 23:04 Starting College Planning Early 27:39 Financial Planning for College 28:54 The Importance of GPA and Test Scores 29:59 Creating a Unique Test Strategy 31:03 Maximizing Scholarships Through PSAT 31:45 Community Service and Passion with Purpose 33:39 The Role of Athletics and Extracurriculars 39:54 Understanding Different Buckets of Money 41:13 Negotiating College Scholarships 42:53 The Student Aid Index and FAFSA Insights 48:01 Wrapping Up and Additional Resources

Drawing on experience from 25+ years and 73,000+ filings, Doug and Ted break down the top debt mistakes Canadians make, and how to avoid them. They explain how problems creep up, why waiting narrows your options, high-cost credit and payday-loan cycles, CRA's real collection powers, and so much more. Canada-specific guidance for debtors with tips on protecting your long-term financial health. (00:00) How debt mistakes happen (02:00) Spotting debt problems early (04:30) Waiting too long is costly: interest, stress, fewer options (06:30) Choosing the right help: Licensed Insolvency Trustees vs. "debt consultants" (08:30) Minimum payments: is it ever a good strategy? (10:30) High-cost credit & payday loan cycle (13:30) Ignoring CRA debt: the powers of the Canada Revenue Agency (15:30) RRSPs to pay debt? Taxes, exemptions, and better paths (18:00) The credit-score trap (21:00) Practical resets, scam red flags Hoyes Michalos Joe Debtor Consumer Insolvency Study 2024 DIY Free Credit Repair Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario 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.

Snag Our Simplified Budget System!Shellee Howard's businessConnect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don't need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We'll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!"

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

Send us a textIn this episode, I had the privilege of sitting down with Shelley Branine, and let me tell you—this conversation blew me away. Shelley is a truth seeker, freedom fighter, wife, and warrior mom of two amazing daughters—one of whom actually graduated from college just a week before finishing high school.As a mom myself, I was inspired hearing her story of how she navigated the college process with her girls and discovered the power of dual enrollment. Shelley explains how high school students can take college courses—often for free or at very little cost—and how this path not only saves families significant time and money but also gives students incredible confidence and real-world experience.I loved how Shelley shared not just the wins but also her own struggles with student loan debt, the misconceptions about dual enrollment, and the truth about scholarships and college athletics. She brings so much clarity to a topic that feels overwhelming for so many parents and students.If you've ever wondered about alternatives to the traditional (and expensive) college route, this episode is full of hope and practical steps. You'll walk away knowing how to start the conversation with your guidance counselor, what questions to ask, and how to explore this smarter, debt-free option for your family.Shelley's upcoming book, Finish College in High School (coming early 2026), will be an incredible resource, but for now, I can't wait for you to hear her wisdom and encouragement in this episode.Where to find Shelley:Instagram: https://www.instagram.com/shelleybranine/Website and Articles Written by Shelley: https://shelleybranine.com/blog/Support the showCheck out What's Waiting For You At Moms of Tweens and Teens Find more encouragement, wisdom, and resources: Website: https://momsoftweensandteens.com/ Facebook: https://www.facebook.com/momsoftweensandteens/ Join our Community HERE. Find awesome resources HERE. Instagram: https://www.instagram.com/momsoftweensandteens/ Sheryl also has an Inner Circle weekly Parenting Program with a community of like-minded moms, personal coaching, and tons of resources to equip and support you to love well, navigate the challenges and meet your tween and teen's unique needs during these pivotal years.

In this episode, we focus on affirmations that train your mind to live debt-free and confident. We'll reinforce positive money habits and beliefs that attract prosperity.https://selfpause.com/app/

Laid off or let go? Your first 30 days matter. This is a practical, Canada-specific guide to unemployment, covering everything from applying for EI to discussing when upskilling or a pivot makes sense, as well as the risks of jumping into self-employment and how to handle debt while unemployed. If you're currently employed, treat this episode as a readiness checklist to ensure you feel prepared and confident about whatever comes next. (00:00) Why the first 30 days of unemployment matter (02:00) Day-one checklist: severance, benefits, documents (05:30) EI basics: ROE, timing with severance, applying early (08:30) Money triage: cut variable costs, protect cash flow (12:30) Job search that works: résumé/LinkedIn refresh + networking (17:00) If your field is shrinking: upskill or pivot? (21:00) Self-employment/freelance: risks, cash needs, taxes (24:30) Debt decisions: the best time to file bankruptcy or a consumer proposal How To Check If You Qualify For Employment Insurance (EI Benefits) Payday Loans Aren't Worth It: How To Break The Cycle Should I Get a Loan To Pay Off My Credit Cards? DIY Free Credit Repair Course Sign Up for the Monthly Debt Free Digest 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.

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

The LORD your God will bless you just as He promised you; you shall lend to many nations, but you shall not borrow; [NKJV]

When money is tight, everything feels urgent. Rent, groceries, a credit card bill, and that unexpected car repair. In this episode, we walk through a survival-mode framework for prioritizing essentials, organizing a bare-minimum budget, and avoiding common traps that lead to a deeper debt spiral. We discuss why “loud” debts aren't always the ones you should pay first, and when it makes sense to speak with a Licensed Insolvency Trustee about a consumer proposal. If the math “isn't mathing” this guide helps you focus on stability right now and a path to rebuild next. 00:00 – How to Make Smart Decisions in Survival Mode 03:30 – Inflation Pressure: Why Everything Feels Urgent 06:00 – What Comes First: Rent, Utilities, and Food 09:00 – Organizing Finances: Your Personal Priority Order 12:00 – Grocery Strategies That Stretch a Tight Budget 13:30 – Collections 101: Small Debts Are Loud, Big Debts Need a Plan 15:00 – Shame, Stress, and the Realities Canadians Face 19:00 – Don't Let the Loudest Creditor Set Your Budget 23:00 – Joe Debtor Study: What We Know & Why You Have Options 26:00 – Negotiating with Creditors & How Consumer Proposals Work 28:00 – Survival First, Debt Strategy Second: Keep Moving Forward Hidden Costs on Food in Canada: The Food Professor on Debt Free in 30 Blows Up Our TikTok Food Inflation Exposed: The Surprising Truth About Grocery Prices - The Food Professor on Debt Free in 30 Ways To Survive Without A Credit Card Personal Budgeting Help and Free Spreadsheet DIY Credit Repair Strategies and Free Course Sign Up for the Monthly Debt Free Digest 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.

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

Portland Bible College Chapel   Portland Bible College

Send us a textDescription:In this empowering episode, Jamie Kienholz breaks down the real path to becoming debt-free — without the shame, stress, or spreadsheet overwhelm. Drawing from her own experience and biblical wisdom, Jamie dives deep into the emotional and spiritual roots of money, why debt keeps us stuck, and how to reclaim your peace and power one decision at a time.You'll learn how to face your numbers with confidence, pick a strategy that actually works for you, and shut out the noise of social media's “buy more” culture. This episode will help you shift from emotional spending to intentional stewardship — and remind you that financial freedom starts in your mindset, not your wallet.Timestamps / Chapters:00:00 – Introduction: Why Debt Isn't Just Math, It's Mindset 03:15 – The Real Reason We Stay in Debt 06:45 – The Psychology of Financial Freedom 09:30 – Practical Steps to Pay Off Debt (Without Losing Your Mind) 14:05 – Becoming a “De-Influencer”: How to Escape the Buy-Buy-Buy Culture 17:40 – Building a Debt-Free Mindset Rooted in Faith 21:00 – Weekly Challenge + TakeawayTakeaways:Freedom begins in your thoughts long before it shows up in your bank account.The borrower is servant to the lender — but God calls you to peace and stewardship.You don't need perfection, you need persistence.Face your numbers — clarity beats avoidance.Choose your strategy: debt snowball or avalanche.Practice “de-influencing” — buy peace, not pressure.Every payment is a vote for your freedom.Keywords:money mindset, debt payoff, personal finance, faith and money, stewardship, budgeting, Christian finance, self-discipline, mindset shift, debt freedom, minimalism, intentional living, financial freedom, de-influencerCTA (Spotify/Apple Notes Footer):Ready to take your next step toward freedom?Connect with Jamie on Instagram @jamiekienholz and join The Apex Society — a private community for women building wealth, wisdom, and purpose together.The Apex SocietyWe Elite Women RistAthletic Brewing CompanyAthletic Brewing Co. is dedicated to crafting delicious non-alcoholic beer you can enjoy anywhere.The Apex SocietyWe Elite Women RistDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.

Is the secret to long-term wealth a complicated, high-stakes strategy, or something far simpler? We often get drawn to the allure of "sexy" investing—the risky bets, the hot stock tips, the promise of explosive overnight returns. But what if the most powerful path to financial growth is actually the one that feels a little… boring? This episode pulls back the curtain on why consistency, patience, and a simple plan can be your greatest assets on your investment journey. We're diving deep into the power of straightforward, time-tested strategies like diversified index funds and automated contributions. You'll learn how these "boring" methods are designed to harness the market's power over the long haul, helping you build wealth without the sleepless nights. We'll also uncover the common traps of complex, "sexy" investing—from chasing elusive returns to taking on unnecessary risk. Get ready to feel empowered and inspired to build a strategy that truly works for you, one that brings you closer to your goals with confidence and clarity.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung  

Welcome to HALO Talks! In today's episode, host Pete Moore sits down with Rick Dennis, Co-Founder of Bakersfield's Body Xchange and a definite "OG" in the HALO sector. With over 30 years of experience—including a storied career at Family Fitness, 24 Hour Fitness, and launching successful clubs with longtime partner John Ovanessian—Rick shares insights on evolving gym models, member experience, and responding to changing trends. Rick and Pete chat about how Body Xchange became a place “where everybody trains,” adapting to the post-COVID demand for more strength training, flexible facilities, and self-guided workouts. Rick opens up about the importance of listening to your local community, running a tight operation with zero leverage, and the unique advantages of local ownership in a burgeoning market like Bakersfield, CA.  Pete and Rick also chat about future growth—both for Body Xchange and the Bakersfield area itself—as well as reflections on how today's athletes are changing the game in high school sports and beyond. Listen now for a conversation packed with industry wisdom and practical takeaways for fitness professionals (and enthusiasts!) On the "power" of staying debt-free Dennis states, "We're definitely not a leveraged company. I think that's something that's really important to understand because as you mentioned, with 24 Hour Fitness, once you get leveraged then there's restrictions to that. We've never had those kinds of restrictions because of the foundation and how we built it." Key themes discussed Evolution of Body Xchange and their club model. Shift toward strength training post-COVID. Local market dynamics and growth in Bakersfield. Importance of a debt-free, reinvestment-focused business. Personal touch of local ownership versus national chains. Future expansion opportunities in nearby cities. A Few Key Takeaways:  1. Evolution of Member Experience & Strength Focus: Rick highlighted how their business model has shifted post-COVID, with a significant pivot towards strength training and member-driven use of space. Recognizing the growing interest in free weights and Olympic lifting, they repurposed areas like group fitness rooms to fit more strength equipment, reflecting the changing fitness trends among younger demographics. 2. Deep Local Roots & Smart Growth: The Bakersfield market is robust and expanding, with affordable housing attracting a young population. Rick emphasized how their deep local knowledge allows them to strategically backfill old locations and position themselves in growth corridors, staying ahead of national chains and big box gyms. 3. Debt-Free, Locally-Owned, and Well-Maintained Clubs: Rick and John built Body Xchange with a focus on being debt-free and maintaining strong local ownership. This approach means they can swiftly reinvest in facilities, ensure equipment is always up to par, and maintain a high-touch presence—reasons why members prefer their facilities over less locally involved national chains. 4. Adaptable Operational Strategy: Body Xchange made a post-COVID decision to pause personal training, acknowledging a shift toward self-guided, technology-driven workouts. Rick notes they still onboard members and provide guidance, and could easily reboot personal training if the right talent emerges. 5. Expansion Opportunities & Local Demographics: Looking ahead, Rick sees potential for 2–3 more locations within Bakersfield and more expansion into comparable communities like Palmdale and Lancaster, as well as midsized cities between Bakersfield and Fresno or west along the Central Coast. He stressed their ability to replicate the Body Xchange DNA by maintaining control over real estate and ensuring each new club matches the model's culture and values. Resources:  Rick Dennis: https://www.linkedin.com/in/rick-dennis-795252175/  Body Xchange: https://www.bxfitness.com  Integrity Square: https://www.integritysq.com Prospect Wizard: https://www.theprospectwizard.com Promotion Vault: http://www.promotionvault.com HigherDose: http://www.higherdose.com

My mentor Steve Cook taught me an unconventional method to become financially free in 10 years with just 10 flips per year and 10 rentals (free and clear). I call it the 10-10-10 method. Learn about lifeonaire.comhttps://lifeonaire.com/This podcast was originally released on YouTube. Check out Jerry Norton's YouTube channel, with over 2,700 videos on all things wholesaling and flipping!  https://www.youtube.com/c/FlippingMasteryTVAbout Jerry Norton Jerry Norton went from digging holes for minimum wage in his mid 20's to becoming a millionaire by the age of 30. Today he's the nation's leading expert on flipping houses and has taught thousands of people how to live their dream lifestyle through real estate.    **NOTE: To Download any of Jerry's FREE training, tools, or resources… Click on the link provided and enter your email. The download is automatically emailed to you. If you don't see it, check your junk/spam folder, in case your email provider put it there. If you still don't see it, contact our support at: support@flippingmastery.com or (888) 958-3028.Get Access to Unlimited Free Property Searches and Downloads: https://flippingmastery.com/propwireWholesaling & House Flipping Software: https://flippingmastery.com/flipsterpodMake $10,000 Finding Deals: https://flippingmastery.com/10kpodGet 100% funding for your deals: https://flippingmastery.com/fspodMentoring Program: https://flippingmastery.com/ftpodFREE 8 Week Training Program: https://flippingmastery.com/8wpodGet Paid $8700 To Find Vacant Lots For Jerry: https://flippingmastery.com/lfpodFREE 30 Day Quickstart Kit https://flippingmastery.com/qkpodFREE Virtual Wholesaling Kit: https://flippingmastery.com/vfpodFREE On-Market Deal Finder Tool: https://flippingmastery.com/dcpodFREE Wholesaler Contracts: https://flippingmastery.com/wcpodFREE Comp Tool: https://flippingmastery.com/compodFREE Funding Kit: https://flippingmastery.com/fkpodFREE Agent Offer Sheet & Scripts: https://flippingmastery.com/aspodFREE Cash Buyer Scripts: https://flippingmastery.com/cbspodFREE Best Selling Wholesaling Ebook: https://flippingmastery.com/ebookpodFREE Best Selling Fix and Flip Ebook: https://flippingmastery.com/ebpodFREE Rehab Checklist: https://flippingmastery.com/rehabpod LET'S CONNECT! FACEBOOK http://www.Facebook.com/flippingmastery INSTAGRAM http://www.instagram.com/flippingmastery

Ever feel like the best financial advice sounds... boring and hard to stick to?  Doug Hoyes and guest Licensed Insolvency Trustee Maureen Parent discuss why the most effective money habits are often the least exciting. From the myth of quick fixes to the power of slow, steady progress, they explore how consistency, not complexity, builds lasting financial stability. You'll also hear practical, realistic ways to start building better habits today (even when life gets in the way). (00:00) – Does money management have to be complicated? The myth of the quick fix (05:00) – Everyday challenges to managing money (11:00) – Discipline vs. intelligence: which matters more? (15:30) – The “first three months suck” mindset (17:00) – Why boring habits beat willpower (19:00) – Needs vs. wants and being realistic (21:30) – Starting with just one small habit (28:30) – Avoiding a financial hangover How To Find a Credible Financial Planner Personal Budgeting Help and Free Spreadsheet DIY Credit Repair Strategies and Free Course Sign Up for the Monthly Debt Free Digest 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.

How do you take an electrical company from a basement startup to $2 million in revenue, earn 15% net profit, and do it all completely debt-free — in just two years? Meet Mory and Clarissa Belle, founders of Doctor Electric in Lexington, Kentucky, and CertainPath members who did just that.  In this episode of The Successful Contractor, the Belles share how they went from burned out and overwhelmed to thriving business owners with a clear plan, powerful systems, and a rock-solid partnership — thanks to CertainPath. You'll learn how they scaled quickly, made key strategic changes, and built a company that reflects their values and vision.  Whether you're in HVAC, plumbing, electrical, or roofing, this story will inspire you and show you how fast success can happen when you follow a proven path.  

In part two, hear my journey to becoming debt-free, discover why running a debt-free landscaping business brings peace, and join Megan and Joey Coberly alongside Kevin Salters as they answer your questions on building thriving businesses.

Subscribe to Simplify My Money:  https://www.debtfreedad.com/newsletters/simplify-my-money  In this episode of the Debt Free Dad podcast, Brad Nelson, the founder of Debt Free Dad, talks about the importance of taking a break to recharge without losing financial progress. He shares his personal experience of taking a break after nearly five years of continuous podcasting and content creation. Brad emphasizes the significance of rest in avoiding burnout and provides actionable tips on how to take a break while maintaining basic financial habits. He encourages listeners to focus on simple steps like sticking to a budget, paying minimum debt payments, and setting a time limit for breaks to avoid setbacks. Brad also highlights the remaining three months of the year as a crucial period for financial progress and offers insights on how to make the most of this time. Additionally, he introduces resources like the Roots Personal Finance membership and the 'Simplify My Money' newsletter to help listeners stay on track with their financial goals. Support the showThe Totally Awesome Debt Freedom Planner https://www.debtfreedad.com/planner Connect With Brad Website- https://www.debtfreedad.com Facebook - https://www.facebook.com/thedebtfreedad Private Facebook Group - https://www.facebook.com/groups/debtfreedad Instagram - https://www.instagram.com/debtfreedad/ TikTok - https://www.tiktok.com/@debt_free_dad YouTube - https://www.youtube.com/@bradnelson-debtfreedad2751/featured Thanks For Listening Like what you hear? Please, subscribe on the platform you listen to most: Apple Podcasts, iHeartRadio, Spotify, Tune-In, Stitcher, YouTube Music, YouTube We LOVE feedback, and also helps us grow our podcast! Please leave us an honest review in Apple Podcasts, we read every single one. Is there someone that you think would benefit from the Debt Free Dad podcast? Please, share this episode with them on your favorite social network!

Tommy Kilpatrick – Welcome to Tommy Kilpatrick's approach to dealing with bank-issued alleged credit card debt by challenging its legitimacy. After writing a successful book, Kilpatrick signed a contract with an infomercial company. For six months, he promoted his book, anticipating a huge monthly payout. However, that didn't happen. Kilpatrick was left with $85,000 in credit card debt. He was stunned and depressed until he had an epiphany: a bank-issued credit card isn't a true credit card, and no real debt exists because a promissory note was never signed.He then sued all three banks in federal court, representing himself. While the judge dismissed the cases, Kilpatrick still won. The entire debt was completely removed from his credit report, with no negative marks or tax implications. Kilpatrick's legal filings argued that because the banks had no invoice or promissory note, there was no contract and therefore no debt.With total U.S. credit card debt over a trillion dollars, Kilpatrick's story offers a compelling alternative. He explains how people can send a letter to their bank to close the associated checking account and potentially become debt-free within 45 days. For more, visit: https://www.diy-debtrelief.com/Send us a textSupport the show Contact me at: postcardstotheuniverse@gmail.com Shout out and follow on IG - @postcardstotheuniverse https://linktr.ee/postcardstotheuniverse Thank you and keep listening for more great shows!

It's YOUR time to #EdUpIn this episode, President Series #406, powered by ⁠⁠⁠Ellucian⁠⁠⁠, & sponsored by the 2026 InsightsEDU Conference in Fort Lauderdale, Florida, February 17-19,YOUR guest is Clay Christensen, President, Mountainland Technical CollegeYOUR host is ⁠⁠Dr. Joe Sallustio How does the largest technical college in Utah achieve a 99.7% debt free graduation rate with 6,500 students & a 1,600 person waiting list?What happens when 573 industry professionals serve on advisory committees that can change curriculum overnight to meet real time workforce demands?How does a competency based system with 38 programs averaging 9 months create direct pathways from classroom to career in trades, IT, & healthcare? 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? Then ⁠​subscribe today​⁠ to lock in YOUR $5.99/m lifetime supporters rate! This offer ends December 31, 2025! 

In this episode of the Wildly Capable Show, we sat down to discuss college readiness with Shellee Howard, founder and CEO of College Ready. They explore the importance of self-discovery for teens, how to identify the right path for each child, and the significance of financial literacy in preparing for college. Shellee shares her unique perspective on college admissions, the role of passion projects, and strategies for securing scholarships. Shop our sponsors and save:Ancestral Supplements—the cleanest protein powder on the marketUse code: HOMEGROWN at checkout for 15% offHaselmayer Goods—Try our Raw milk & Tallow BarUse code: HOMEGROWN at checkout for 10% offFind Shellee on Instagram HERE. Empowereducation.worldWatch the interview on YouTube HERE.Follow the Wildly Capable Show Instagram HERE.Find Homegrown on Instagram HERE.Find Liz Haselmayer on Instagram HERE.Find Joey Haselmayer on Instagram HERE.Shop real food meal plans and children's curriculum HERE.Join us on SubStack HERE.

Stressed thinking about scholarships, applications, and college costs? You're not alone. Shellee Howard shares simple, practical advice that actually makes this process feel doable.In this episode, you'll hear about:How to set your athlete up for success academically and financially.Practical strategies for aiming for a debt-free education.Tips for athletes at every stage, from just starting high school to preparing for college.Real-life examples showing how small steps now can pay off big later.Get ready to feel more confident and less stressed about the whole college journey!Come hang out with Shellee:Instagram: @collegereadyplanLearn more & work with her: https://collegereadyplan.com/Guest interview inquiries: shellee@collegereadyplan.com Episode Highlights: [00:01:04] About Shellee Howard and College Ready. Shellee has spent nearly two decades helping families navigate the college admission process, and she's walked the walk – her own four kids all went to college debt free![00:08:07] Biggest Mistake: Lacking a Plan. One of the biggest issues families face is putting all their hopes on an athletic scholarship without having backup plans in place for college funding.[00:10:19] Viewing College as a Business. The availability of athletic scholarships depends a lot on whether the sport brings in money for the university, so it's smart to think about academics and other scholarship options too.[00:14:33] Finding the Right Academic and Athletic Fit. It's not just about grades and scores—showing passion, leadership, and finding the right fit academically and socially can really open scholarship doors.[00:18:56] Helping Athletes Determine College Fit. Rather than picking a school because it's sunny or close to the beach, it's important for students to start exploring their interests and values early to find a good college fit.[00:23:59] College Prep Timeline: Start in Middle School. Starting as early as 7th or 8th grade gives students time to build their resume through community service, leadership, and other activities that will help them stand out.[00:29:11] The “Brag Binder” Strategy. Keeping a binder or digital folder of all achievements and awards helps kids see their strengths and makes application prep easier down the line.[00:32:05] Addressing Uncertainty About Majors and Careers. A lot of students don't know what they want to study. Focusing on core values and strengths can help guide that decision without pressure.[00:37:00] The Value of Neutral Mentors. Sometimes teens need a safe, judgment-free space to open up about their goals, and having a neutral coach or mentor can make all the difference.[00:38:11] Additional Resources. There are great resources – books, websites, and personal coaching – that families can tap into for support with college prep and making it debt free.Next Steps:Join our FREE Training for Sports Moms - How to Strengthen Your Athlete Daughter's Mental Game so She Believes in Herself as Much as You DoVisit our podcast website for more great episodesThank you in advance for joining us on our mission and leaving a rating and review on Apple Podcasts.Join our LIVE trainings for sports moms happening now! [REGISTER]