Moolala: Money Made Simple with Bruce Sellery

Household Debt in Canada Explained: Trends, Warning Signs & How to Get Out of Debt

Credit Canada credit counsellor Brandon Thonson joins Bruce Sellery to unpack the current state of household debt in Canada, where consumers now owe $1.77 for every dollar earned. Brandon shares what he's seeing on the front lines, from people using debt to service debt, to mortgage renewals jumping 15–20%, to a 39% increase in counselling requests at Credit Canada. He identifies the warning signs that debt is becoming unmanageable, explains what to expect during a credit counselling session, and outlines solutions, including debt consolidation programs, conversations with financial institutions, and Credit Canada's GOLD coaching program. A compassionate, no-judgment conversation about taking control of your finances.

Find out more at creditcanada.com and connect on Facebook, X, LinkedIn, Instagram, YouTube and TikTok.

Debt After Retirement: What Every Canadian Senior Needs to Know

Licensed insolvency trustee Joshua Harris, CEO of Harris & Partners, joins Bruce Sellery to break down what makes debt uniquely challenging for seniors in Canada. They discuss the realities of living on a fixed income from CPP and OAS, how ageism limits earning potential, and the critical difference between consumer proposals and bankruptcy filings. Joshua explains which assets are protected, including the fact that government pensions are non-garnishable, addresses common fears about losing your home, and shares what happens to debt when a person passes away. If you're a senior dealing with debt or love someone who is, this is essential listening.

Find out more at harrisandpartnersinc.com and connect on LinkedIn.

Gender, Money & Longevity: What Every Woman Needs to Know Before It's Too Late

Award-winning Toronto Star journalist Moira Welsh joins Bruce Sellery to discuss her new book The Astonishing Lives of Older Women: How to Create Pleasure Over Peril in the Age of Peak Longevity. Moira shares powerful real-life stories of women in their 70s, 80s, and beyond who are struggling financially, from a woman who lived in her car for nine months to another who went from a yacht club lifestyle to a trailer park. They explore how divorce, the wage gap, and the motherhood penalty leave women vulnerable in later life, and discuss innovative solutions like communal living that are helping women regain stability, community, and hope.

Connect with Moira on Instagram, LinkedIn, X, and Bluesky.

Household Debt in Canada Explained: Trends, Warning Signs & How to Get Out of Debt | Full Episode

Credit Canada credit counsellor Brandon Thonson joins Bruce Sellery to unpack the current state of household debt in Canada, where consumers now owe $1.77 for every dollar earned. Brandon shares what he's seeing on the front lines, from people using debt to service debt, to mortgage renewals jumping 15–20%, to a 39% increase in counselling requests at Credit Canada. He identifies the warning signs that debt is becoming unmanageable, explains what to expect during a credit counselling session, and outlines solutions, including debt consolidation programs, conversations with financial institutions, and Credit Canada's GOLD coaching program. A compassionate, no-judgment conversation about taking control of your finances.

Find out more at creditcanada.com and connect on Facebook, X, LinkedIn, Instagram, YouTube and TikTok.

Moving Money from the US to Canada: Fees, Wires, and More

Vikki Brown lays out common cross-border scenarios (inheritances, property sales, pensions) and the simplest ways to transfer funds. They compare big bank cross-border setups with fintech tools like Wise, explain how FX fees are often built into rates, and cover large-transfer strategies like wiring to a Canadian USD account or using Norbert’s Gambit—plus what to consider around timing and possible tax complications.

Find out more at moderncents.ca and connect on LinkedIn and Instagram.

Common Debt Stories Credit Counsellors Hear (and How to Break the Cycle)

Credit Canada’s Himank Bhatia, certified Credit Counsellor and Financial Coach, discusses what debt looks like in real life right now: payday loan spirals, divorce-driven debt, sports betting debt, and higher-income households living in “fragile luxury.” He explains how fear and shame keep people stuck, why minimum payments create an interest trap, and how support and structured plans (including options to freeze interest) can help people get out of debt.

Check out Credit Canada on Instagram, Facebook, YouTube X, and TikTok.

The Emotional Journey of Selling Your Business: Identity, Grief, and “Now What?”

Jonathan Bennett shares what business owners often don’t anticipate: selling can feel like letting go of a big part of your identity. He talks about the grief-like emotional curve, what can go wrong when founders don’t fully “let go,” and why taking intentional time after a sale can help avoid rebound decisions and set up a healthier next chapter.

Connect with Jonathan on LinkedIn.

Credit Card Travel Insurance: What’s Covered (and What Isn’t)

Barry Choi explains why credit card travel insurance is never one-size-fits-all. Coverage can change based on your age, health, trip length, and even how you booked (including using points). They dig into where credit card insurance can be helpful, where it can be misleading, and why rental car coverage can have gaps, such as low coverage caps and no liability protection.

Connect with Barry on Instagram.

Credit Card Travel Insurance, Debt Traps & Moving Money to Canada: What You Need to Know | Full Episode

Planning a trip and counting on your credit card for travel insurance? Personal finance and travel expert Barry Choi breaks down what credit card travel insurance may cover (and where it can fall short), including key "it depends" factors like age, pre-existing conditions, how you paid (cash vs points), rental car coverage limits, and why standalone policies can be stronger. Then, executive advisor Jonathan Bennett from Clearly Then explores the emotional realities of selling a business: identity, grief, and how to prepare for the "now what?" after an exit. Next, Credit Canada’s certified credit counsellor and financial coach, Himank Bhatia, shares the most common debt stories he hears, from payday loan spirals and divorce-related debt to sports betting and the rising cost of living, and why shame and isolation can be the biggest obstacles to getting help. Finally, certified financial planner Vikki Brown from Modern Cents explains practical ways to move money from the US to Canada, compares banks vs. fintech options like Wise, and outlines what to watch for with exchange rates, fees, Norbert’s Gambit, and potential tax considerations.

To find out more about the guests check out:

• Barry Choi: Instagram
• Jonathan Bennett: LinkedIn
• Himank Bhatia: Instagram | Facebook | YouTube | X | TikTok
• Vikki Brown: moderncents.ca | LinkedIn | Instagram

Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple.

Find Bruce Sellery at Moolala.ca | X | Facebook | LinkedIn

Mortgage Delinquency Warning Signs & Why Household Debt Matters

Mortgage delinquency is often measured by payments that are 90 days overdue, but mortgages are usually the last debt people fall behind on. CMHC’s Aled ab Iorwerth explains the broader risks of Canada’s high household debt levels and the early indicators that financial stress may be building.

Connect on LinkedIn, YouTube, Instagram, X and Facebook.