For the last show of the year Doug Hoyes and Ted Michalos look back on 2019 and ask the obvious question: the economy is doing well, unemployment is low, and yet bankruptcy and consumer proposal filings in Ontario have had the largest spike upward in over a decade, up about 16% so far this year.  Why? We debunk the conventional wisdom from the talking heads on TV (it has nothing to do with unemployment or interest rates, and it’s not a temporary blip) and explain what’s really happening.  We play a clip from our predictions show from last year so you can see how accurate we were, and then Ted and Doug close the show with their predictions for personal insolvencies in 2020.