Best Doug Hoyes Podcasts (2025)

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564 – What New Canadians Should Know About Credit and Debt 30:20

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6d ago30:20

30:20

For many newcomers to Canada, the Canadian credit system can feel like a high-stakes challenge. Although it's essential for building a financial life, aggressive lending practices, cultural mindsets around credit, and a lack of clear guidance can lead to overwhelming debt before fully understanding how the system works. In this essential episode, O…

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

13d ago30:37

30:37

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

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

20d ago30:24

30:24

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

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

27d ago30:25

30:25

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

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

1M ago30:37

30:37

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

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Deep Dive With Canlak Coatings: Talking the Future of Finish and More with Laura Posadas and Doug McGrew 58:45

1M ago58:45

58:45

Join host Steve Diggins from Specialty Forest Products for this sponsored episode as he delves into the world of wood floor finishes with two experts from Canlak Coatings, the name behind trusted wood floor finish brands like Absco, Poloplaz, Sampson and Wilson Imperial. Laura Posadas and Doug McGrew from Canlak peel back the curtain on the extensi…

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

1M ago29:43

29:43

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

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

2M ago30:40

30:40

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

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Starting Out as a Young Wood Flooring Pro: Talking with Israel Alejandre 48:59

2M ago48:59

48:59

In this episode of All Things Wood Floor, host Steve Diggins of Specialty Forest Products talks with young wood flooring pro Israel Alejandre, the owner of Cedar Oak Flooring based in Middlefield, Ohio. Featured as part of Wood Floor Business’s annual discussion about the Next Generation of emerging talent in the hardwood flooring industry, Israel …

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

2M ago31:17

31:17

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

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

2M ago30:21

30:21

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

2M ago30:20

30:20

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

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

3M ago30:28

30:28

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

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

3M ago34:57

34:57

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

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

3M ago32:21

32:21

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

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

3M ago30:52

30:52

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

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Being a Retailer in a Luxury Florida Market: Brad Rushing of California Designs 1:06:51

3M ago1:06:51

1:06:51

Brad Rushing of North Palm Beach, Fla.-based California Designs discusses what it is like being a retailer in one of Florida’s luxury markets, what he learned about business and people from his father, how the company has kept both clients and employees for decades, how Brad modernized the family business, including their marketing, and how educati…

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

3M ago29:59

29:59

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

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

4M ago30:29

30:29

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

Doug Hoyes Podcasts

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Debt Free in 30

Doug Hoyes

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All Things Wood Floor

Wood Floor Business

1
564 – What New Canadians Should Know About Credit and Debt 30:20

1
563 – Debt: The New Normal? Comparing Boomer and Millennial Mindsets 30:37

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

1
561 – Zombie Subscriptions: How To Spot And Cancel Hidden Budget Killers 30:25

1
560 – Legal Actions Creditors Can Take in Canada (And How to Protect Yourself) 30:37

1
Deep Dive With Canlak Coatings: Talking the Future of Finish and More with Laura Posadas and Doug McGrew 58:45

1
559 – Denied Credit? The Survival Guide for Emergency Situations 29:43

1
558 – What It Means To Be House Poor And How To Avoid It 30:40

1
Starting Out as a Young Wood Flooring Pro: Talking with Israel Alejandre 48:59

1
557 – How To Avoid Car Financing Mistakes In 2025 31:17

1
556 – Is Debt Fatigue Holding You Back? Strategies for Renewed Focus 30:21

1
555 – The Future of Canadian Savings: Are We Saving Enough for What's Ahead? 30:20

1
554 – AI Scams & Debt: Staying Safe in a New Era of Fraud 30:28

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

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

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

1
Being a Retailer in a Luxury Florida Market: Brad Rushing of California Designs 1:06:51

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

1
549 – Can You Walk Away from a Pre-Construction Deal? What You Need to Know 30:29