Best Protection From Creditors Podcasts (2025)

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What Are the Creditor Protection Rules for Roth IRAs and Roth 401(k)s? 8:06

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1d ago8:06

8:06

In today's episode, David McKnight breaks down the creditor protection rules for Roth IRAs and Roth 401(k)s, as well as why more and more Americans are turning to tax-free accounts to insulate themselves from creditors… and the Government itself. In theory, under Federal Law, all IRAs traditional or Roths receive a certain level of bankruptcy prote…

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The Juggling Act: How to Manage Multiple Credit Cards Without Losing Your Mind or Your Score 7:07

3d ago7:07

7:07

Juggling multiple credit cards without losing your mind (or your score) is possible. Here's the commander's system for total control. #CreditCards #CreditManagement #MultipleAccounts #CreditScore #Autopay See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.…

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How to Get Rid of Late Payments on Credit Report and Improve Your Credit Profile Fast with Credit Delete Geeks 1:33

5d ago1:33

1:33

Late payments on a credit report can significantly lower credit scores and limit access to loans, cards, and favorable interest rates. Many consumers are unaware that inaccurate, outdated, or unverifiable late payment entries can often be challenged and removed through the proper credit repair process. This is where Credit Delete Geeks stands out a…

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590 – Will Your Investments Survive Serious Debt? 29:52

5d ago29:52

29:52

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 un…

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Identity Theft: When Your Credit Report Gets an Evil Twin 5:00

6d ago5:00

5:00

Someone living their life on your dime? We walk you through the 3-step crisis plan to lock down your credit and evict the identity thief for good. #IdentityTheft #Fraud #CreditFreeze #CreditReport #FixCredit See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.…

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Student Loan Delinquency Explosion: 31% of Borrowers 90+ Days Late 5:26

8d ago5:26

5:26

5.8 million people are 90+ days late on student loans. If you're one of them, your credit is about to get nuked. Here's the exact playbook to save it. #StudentLoans #Default #Delinquency #LoanRehabilitation #CreditReport #WageGarnishment See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-no…

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Top Five Reasons to Pick a Roth 401(k) Over a Traditional 401(k) 8:04

8d ago8:04

8:04

This episode features David McKnight sharing the top five reasons why a Roth 401(k) is far superior to a traditional 401(k). Something important to keep in mind: the decision you make today will determine how much of your retirement money your future self actually gets to keep. David touches upon the fact that choosing the wrong 401(k) could cost y…

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The FICO Monopoly Is SLOWLY Changing 4:43

9d ago4:43

4:43

Mortgage credit reporter FICO has been the king of the hill. Things may be slowly changing. Ask your lender about Vantage. #credit #creditreport #mortgage #FICO #vantagereport #creditscore #goodcredit See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.…

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589 – Debt Collectors Busier Than Ever? - What They Are Really Looking For from You 30:43

12d ago30:43

30:43

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 profe…

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Why Just 'Monitoring' Your Credit is Like Watching a Car Crash in Slow Motion 4:04

13d ago4:04

4:04

Getting alerts about your credit score is like watching a car crash in slow motion. It's time to stop monitoring and start MANAGING your credit. #CreditMonitoring #CreditReport #FixCredit #CreditRepair #ActiveManagement See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.…

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Credit Utilization: The Silent Score Killer You Can Fix in 45 Days 4:26

15d ago4:26

4:26

That "30% rule" you've heard is a lie. We expose the credit utilization secrets that can add 100 points to your score in 45 days. #CreditUtilization #CreditCards #CreditLimit #FixCredit #CreditScore See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.…

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Suze Orman Says Roth IRAs Are Great — But Here's What She's Missing 10:33

15d ago10:33

10:33

This episode sees David McKnight look at Suze Orman, who, despite being one of the most widely recognized financial voices in America, shares what appears to be incomplete advice. David believes that Orman has done a lot of good for a lot of people thanks to her financial discipline-centered approach (in addition to being a big proponent of Roth IR…

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Building Credit From Scratch: How to Go from Ghost to 700 3:32

16d ago3:32

3:32

No credit? You're a ghost to lenders. We show you the "cheat codes" to go from zero to 700 in record time. #BuildCredit #NoCredit #CreditHistory #AuthorizedUser #CreditBuilderLoan See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.…

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588 – Are You Financially Fit Enough to Invest? 32:17

19d ago32:17

32:17

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 …

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You worked hard for your good credit. Now, keep it. Our "set it and forget it" system automates your credit health and protects your score from disaster. 4:20

20d ago4:20

4:20

You worked hard for your good credit. Now, keep it. Our "set it and forget it" system automates your credit health and protects your score from disaster. #CreditMaintenance #GoodCredit #CreditTips #FinancialHabits #CreditScore See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-i…

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Rebuilding Credit After Bankruptcy: Your 12-Month Comeback Plan 4:41

21d ago4:41

4:41

Bankruptcy isn't the end. It's a reset. Here is your proven 12-month comeback plan to rebuild your credit and your financial life. #Bankruptcy #RebuildCredit #AfterBankruptcy #FixCredit #CreditRepair See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.…

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The 3 Questions You MUST Answer BEFORE Doing a Roth Conversion 6:57

22d ago6:57

6:57

David McKnight addresses three key questions you must be able to answer before executing a single Roth conversion. Too many people go for Roth conversions without a game plan – this is something that can lead to overpaying taxes and running out of money sooner than anticipated. David points out that if you can't answer the three key questions, you …

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Dealing with Credit Card Debt: The Escape Plan They Don't Want You to Know 7:00

24d ago7:00

7:00

Drowning in credit card debt? We reveal the 3-tier escape plan, from balance transfers to the "nuclear option" that can slash your payments. #CreditCardDebt #DebtRelief #DebtConsolidation #FixCredit #FinancialFreedom See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.…

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587 – Should Parents Help Adult Children with Debt? 30:00

26d ago30:00

30:00

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-si…

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Credit Scoring Demystified: How Credit Scores Are Calculated 4:34

27d ago4:34

4:34

Your credit score isn't magic. It's a math equation. We break down the FICO formula so you can stop guessing and start strategically boosting your score. #CreditScore #FICO #CreditReport #CalculateScore #CreditTips See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.…

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Managing Collections and Negotiating Settlements 4:07

28d ago4:07

4:07

Got a collections account? Don't just pay it! Here's the "Pay for Delete" strategy to settle your debt AND erase it from your credit report. #Collections #DebtCollection #PayForDelete #SettleDebt #FixCredit See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.…

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Understanding Chapter 7 Bankruptcy and Its Effect On Wage Garnishments 6:33

29d ago6:33

6:33

In this episode, we break down Chapter 7 bankruptcy and explain practical strategies to stop wage garnishment and protect your income. Don’t face your financial struggles alone, reach out to our Honolulu bankruptcy lawyers at Blake Goodman P.C., where we will take as much time needed to understand your unique situation and develop a solid strategy …

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Five Roth Conversion Myths Busted: What Most Americans Get Wrong 7:37

29d ago7:37

7:37

David McKnight busts some of the most common Roth conversion myths that are costing retirees hundreds of thousands – if not millions – of dollars over the course of retirement. The "Don't worry about Roth conversion, you'll be in a lower tax bracket when you retire" myth is based on two flawed assumptions. The first one is that your lifestyle will …

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Credit Repair Myths Debunked 3:51

1M ago3:51

3:51

Think checking your credit hurts your score? Or that you need to carry a balance? We're debunking the top credit myths that are costing you points. #CreditMyths #CreditRepair #CreditScore #FixCredit #FinancialAdvice See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.…

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Credit Show Official Trailer 0:40

1M ago0:40

0:40

Your credit report is your adult report card—and on The Credit Show Podcast, Harry Jacobs shows you how to rewrite it. Each episode breaks down real-world credit problems in plain English: collections, charge-offs, medical debt, student loans, bankruptcy, identity theft, and more. Harry is the founder of Credit Restoration of Nevada and has served …

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586 - Should You Use Your Home Equity to Pay Off Debt in This Market? 34:52

1M ago34:52

34:52

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) Toro…

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Disputing Errors on Your Credit Report: Step-by-Step Guide 3:59

1M ago3:59

3:59

1 in 4 people have a credit error. Don't just get mad, get even. Our step-by-step guide shows you how to force the bureaus to fix their mistakes. #CreditReport #Dispute #FCRA #CreditBureaus #FixCredit #CreditErrors See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.…

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Effective Strategies for Improving Your Credit Score 5:04

1M ago5:04

5:04

Stop playing checkers while the banks play chess. Here are 3 powerful strategies to manipulate your credit score and win the game. #CreditRepair #CreditScore #FixCredit #ImproveCredit #CreditTips #FinancialHealth See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.…

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Two Experts Debate When You Should Take Social Security—But here's the TRUTH! 10:45

1M ago10:45

10:45

Today's episode revolves around one of the biggest financial debates among pre-retirees and retirees: When should you take Social Security? Host David McKnight touches upon the recent debate of two of the smartest voices in the field – Dr. Laurence "Larry" Kotlikoff and Dr. Derek Tharp – on this exact question. Dr. Tharp, out of the University of S…

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585 – Small Business: Mixing Personal and Business Debt Pros & Cons 32:14

1M ago32:14

32:14

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-sc…

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What REALLY Happened with Kyle Busch's $8 Million Lawsuit against Pacific Life 11:17

1M ago11:17

11:17

David McKnight looks at what happened when NASCAR legend Kyle Busch reportedly lost $8+ million in what was supposed to be a tax-free retirement plan. The plan Busch relied on was built around an indexed universal life insurance policy. According to Kyle and Samantha Busch's lawsuit, they paid more than $10.4M into several IUL policies issued by Pa…

51
584 – Top Mistakes Debtors Make and How to Avoid Them 31:22

2M ago31:22

31:22

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 o…

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The Financial Guru Hall of Shame--Who's Leading You Off a Cliff? 10:49

2M ago10:49

10:49

David McKnight focuses on three of the biggest names in personal finance – Dave Ramsey, Suze Orman, and Ken Fisher – and why you should be careful with following their advice. David emphasizes that anyone trying to wring the most efficiency out of their retirement savings should focus on advice that's backed by math… not soundbites. While David Ram…

51
583 – Job Loss: What to Do Financially in Your First 30 Days 30:52

2M ago30:52

30:52

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 …

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Suze Orman Says 3%, Bill Bengen Says 4.7%--Who's Right on Sustainable Withdrawal Rates? 9:35

2M ago9:35

9:35

David McKnight compares the approach of some of the biggest names in personal finance: Suze Orman, and William "Bill" Bengen (the man who invented the 4% Rule). In a recent interview covered by MSN, Suze Orman declared flat out that the 4% Rule is dead since markets are volatile, interest rates fluctuate, and people are living longer. David shares …

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582 – How to Prioritize When Every Expense Feels Urgent 31:01

2M ago31:01

31:01

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 y…

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Why Dave Ramsey's Roth Conversion Advice Could Cost You a Fortune 7:00

2M ago7:00

7:00

David McKnight discusses one of the most destructive pieces of retirement advice he has ever heard: that you should never do a Roth conversion in retirement or within five years of retiring. Dave Ramsey believes you should forego doing a Roth conversion if you're within five years of retirement or are already retired – because of the so-called Five…

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Protect Yourself From Creditor Harassment Through Bankruptcy 6:12

2M ago6:12

6:12

In this episode, we’ll explore how filing for bankruptcy in Hawaii can put an end to creditor harassment and help you reclaim your financial peace of mind. Contact our bankruptcy law firm today to schedule a consultation and take the first step toward a brighter financial future. To schedule your free case consultation call us at 808-556-7833, or v…

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581 – Why the Best Financial Advice Sounds Boring – But Works 31:09

2M ago31:09

31:09

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 fin…

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Four Ways to Pay Tax on Your Roth Conversion 7:31

2M ago7:31

7:31

David McKnight addresses something that can make or break your Roth conversion strategy: how you actually pay the tax. David kicks things off by sharing that Federal and state estimated tax payments are usually made in four equal installments: April 15th, June 15th, September 15th, and January 15th of the following year. Did you know that doing a R…

51
580 – Can You Really Live Debt Free in Canada? 31:04

3M ago31:04

31:04

Can you live without debt in today's Canada? In this myth-busting episode, Doug and Ted explore the real cost of going debt-free. They unpack the difference between credit and debt, challenge the necessity of mortgages and student loans, and share strategies to reduce or eliminate debt, whether you're starting out or retiring soon. From rising hous…

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The Risks of Co-Signing a Loan | What You Need to Know Before You Sign 7:08

3M ago7:08

7:08

If you’ve ever co-signed a loan for a family member or friend, you might think you’re just helping them get approved — but what happens if they stop paying or file for bankruptcy? In this episode of Debt Free Life, Licensed Insolvency Trustee Richard Sklar from David Sklar & Associates explains the financial, legal, and credit risks that come with …

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I'm 52 Years Old and Have No Bonds in My Portfolio (Smart or Dangerous?) 7:31

3M ago7:31

7:31

David McKnight explains why he has chosen to avoid bonds entirely and why you might want to rethink how you protect your portfolio as you approach retirement. David kicks things off by illustrating the so-called sequence of returns risk. According to conventional wisdom, bonds tend to be less volatile, so they help smooth out the rough years in the…

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579 – Budgeting Without Burnout: Finding the Right Tracking Method 32:13

3M ago32:13

32:13

Is tracking every single expense the key to taking control of your finances, or just a fast track to burnout? What are the pros and cons of meticulous money tracking? Doug Hoyes and guest Charlie Kovacs debate who benefits most from detailed spending logs, when it's OK to simplify, and strategies to build a money system that actually sticks. 00:00 …

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Dave Ramsey is Right About Bonds, but Not for the Reasons He Thinks 6:40

3M ago6:40

6:40

David McKnight addresses something Dave Ramsey has been saying for years: "You should NEVER own bonds in retirement!" David points out that the tool that actually solves the problem Ramsey has been trying to avoid is the same one he spent years mocking on his call-in show: the Fixed-Indexed Annuity. Ramsey's argument is that stocks outperform bonds…

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578 – Student Loan Struggles in Canada: Paying Debt Years Later 30:10

3M ago30:10

30:10

Student loans can follow Canadians for years after graduation, sometimes delaying life milestones like buying a home or starting a family. In this episode, Doug Hoyes and Ted Michalos explain why student debt is so difficult to repay in Canada, the risks of borrowing for education, and the Supreme Court's latest ruling on the "7-year rule" for gove…

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What is the Power of Zero Retirement Philosophy? 7:13

3M ago7:13

7:13

David McKnight walks you through what he believes to be the retirement strategy of the future: the Power of Zero approach. Congress recently passed the One Big Beautiful Bill Act, which makes the Trump tax cuts permanent. The brackets were set to expire in 2026, but now we're told they're here to stay… By 2035, the U.S. will need massive infusions …

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577 – How to Break Free from the Minimum Payment Trap 30:40

3M ago30:40

30:40

Making only the minimum payment on credit cards may feel manageable, but it's one of the riskiest financial habits for Canadians today. Doug Hoyes and Ted Michalos explain the real math behind minimum payments and share practical strategies for breaking out of the cycle for good. 00:00 – Setting the stage: the shift from "getting by" to falling beh…

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Greatest Retirement Mistake 7:50

3M ago7:50

7:50

While on the golf course with his son, David McKnight got asked a question, by a couple of men in their early 70s, every pre-retiree and retiree wonders at some point: "What's the biggest mistake people make when preparing for retirement?" Many people spend their entire career saving money in tax-deferred accounts like 401(k)s and IRAs. As that bal…

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What Happens To Your Car In Chapter 7 Bankruptcy? 6:44

3M ago6:44

6:44

In this episode, we’ll explore how Chapter 7 bankruptcy can affect your car, including exemptions, equity, and the options available to keep it. Make sure to keep your car during the Chapter 7 bankruptcy process by consulting with our Honolulu bankruptcy lawyers at Blake Goodman. Reach out to our law firm today for a consultation and benefit from o…