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.

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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

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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.