Financial advisor Anita Bruinsma joins Shane Hewitt to discuss strategies for overcoming debt. She highlights the common feeling of paralysis among clients struggling with credit card, car loan, and mortgage debt, unsure how to balance debt repayment with saving and investing. Bruinsma advocates for creating a detailed debt repayment plan to regain control and visualize progress, illustrating this with a personal anecdote of meticulous budgeting. The conversation emphasizes the importance of mindful spending, avoiding both overspending and self-deprivation, and incorporating small pleasures into the repayment process. She also cautions against the misuse of HELOCs for large, unplanned purchases due to fluctuating interest rates. She suggests tracking interest payments to maintain motivation, viewing interest savings as a form of progress even with slow debt reduction. Finally, we explore alternative payment methods for expenses like insurance, weighing the benefits of lump-sum payments against potential credit card interest charges. The core message is the importance of proactive planning, conscious spending, and creative motivational techniques for successful debt management. Get Clarity on your money: https://www.clarityonyourmoney.com/ 


Greg Layson, digital and mobile editor at Automotive News Canada, joins Shane Hewitt and discusses the current state of the Canadian auto industry, particularly concerning the impact of tariffs and the shift towards electric vehicles. Lason highlights the uncertainty caused by fluctuating government policies, leading to hesitancy in investment and production planning. He uses the example of GM's Ingersoll plant layoffs, explaining that while initially attributed to overstocked inventory of electric commercial vans, the prolonged shutdown increases the risk of permanent closure due to the ongoing tariff situation. Layson emphasizes Canada's strengths: a skilled workforce, a robust supply chain, and abundant critical minerals for electric vehicle production. While acknowledging the loss of past automotive jobs due to factors like NAFTA and cheaper labor costs in Mexico, he believes Canada retains advantages in quality and healthcare benefits, making it a competitive location despite the lack of new large-scale plant announcements. Find more from Greg Layson - https://www.autonews.com/

Financial advisor Anita Bruinsma joins Shane Hewitt to discuss strategies for overcoming debt. She highlights the common feeling of paralysis among clients struggling with credit card, car loan, and mortgage debt, unsure how to balance debt repayment with saving and investing. Bruinsma advocates for creating a detailed debt repayment plan to regain control and visualize progress, illustrating this with a personal anecdote of meticulous budgeting. The conversation emphasizes the importance of mindful spending, avoiding both overspending and self-deprivation, and incorporating small pleasures into the repayment process. She also cautions against the misuse of HELOCs for large, unplanned purchases due to fluctuating interest rates. She suggests tracking interest payments to maintain motivation, viewing interest savings as a form of progress even with slow debt reduction. Finally, we explore alternative payment methods for expenses like insurance, weighing the benefits of lump-sum payments against potential credit card interest charges. The core message is the importance of proactive planning, conscious spending, and creative motivational techniques for successful debt management. Get Clarity on your money: <a href="https://www.clarityonyourmoney.com/">https://www.clarityonyourmoney.com/</a>&nbsp;
 Greg Layson, digital and mobile editor at Automotive News Canada, joins Shane Hewitt and discusses the current state of the Canadian auto industry, particularly concerning the impact of tariffs and the shift towards electric vehicles. Lason highlights the uncertainty caused by fluctuating government policies, leading to hesitancy in investment and production planning. He uses the example of GM's Ingersoll plant layoffs, explaining that while initially attributed to overstocked inventory of electric commercial vans, the prolonged shutdown increases the risk of permanent closure due to the ongoing tariff situation. Layson emphasizes Canada's strengths: a skilled workforce, a robust supply chain, and abundant critical minerals for electric vehicle production. While acknowledging the loss of past automotive jobs due to factors like NAFTA and cheaper labor costs in Mexico, he believes Canada retains advantages in quality and healthcare benefits, making it a competitive location despite the lack of new large-scale plant announcements. Find more from Greg Layson - <a href="https://www.autonews.com/">https://www.autonews.com/</a>

Shane Hewitt & The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world—always with curiosity, compassion, and a sharp edge.

From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane’s signature style—thoughtful, fearless, and refreshingly real.

If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt &amp; The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world&mdash;always with curiosity, compassion, and a sharp edge.
From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane&rsquo;s signature style&mdash;thoughtful, fearless, and refreshingly real.
If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt and The Nightshift

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.

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