Many Canadians are stuck under a mountain of debt. Some with no idea how much they owe, or how to get out. In this episode, Tré breaks down what to do right now if you’re facing serious consumer debt. From making your first net worth statement to choosing between the avalanche and snowball methods, this is your guide to regaining control.

Whether you’re a professional, business owner, or anyone dealing with high-interest debt, this episode helps you stop spinning your wheels and start taking action.

What you’ll learn:

• Why avoiding the numbers only makes things worse
• How to do a basic net worth and debt inventory
• When to choose avalanche vs. snowball for repayment
• The biggest mistake with car loans and mortgages
• Why lifestyle cuts and sacrifices are non-negotiable
• How to make debt payoff sustainable and final

Like what you hear? Follow, review, and share the podcast to help more Canadians take control of their money.

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Think taking out a car loan in your 20s is no big deal? Think again.

In this episode, Tré breaks down the long-term consequences of everyday debt decisions using real-life modelling to show how a single $40,000 car loan can quietly derail your financial trajectory for decades. It isn’t only about interest—it's about financial stress, lost time, and missed opportunities.

If you’ve ever said, “I had no choice,” this one’s for you.

What you’ll learn:

• How a single debt decision at 25 changes your life at 45
• Why debt isn’t just about cost, it’s about long-term stress
• What “financial flexibility” actually looks like
• The hidden opportunity cost of car loans
• Why delayed gratification is a wealth-building superpower

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Most Canadian parents know about RESPs, but few use them to their full potential. In this episode, Tré exposes the common RESP mistakes that cost families thousands and shows you how to actually make the most of this powerful tool.

You’ll learn how to maximize government grants, why timing matters more than you think, and how RESP investing can be a stealthy tax strategy. Plus, Tré explains why helping your kids should never come at the cost of your own retirement.

What you’ll learn:

• How RESP grant matching actually works (and how to catch up if you fall behind)
• Why “superfunding” your RESP may not be optimal
• The best RESP strategy based on your expected investment return
• What happens if your kid doesn’t go to school
• How to use RESPs for income splitting and tax planning

Subscribe, rate, or share the show to help more Canadians make smart money decisions.
🔗 https://trebynoe.ca/podcast

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