The Globe and Mail

Stress Test

A Investing , Business and Careers podcast

#21 in Investing · 🇨🇦 #74 in Business · 🇨🇦

About the show

You had your best-laid plans and then COVID-19 came along and hammered the entire economy. But you’ve got this – if you have the right information. Join The Globe and Mail’s personal finance team, columnist Rob Carrick and editor Roma Luciw, as they guide you through one of the biggest stress tests your finances will ever face. If you’re between 20 and 40, this financial advice is for you.

Newest episodes

AI told me to buy this stock. Should I?

Nov 10, 2026 19 min

Would you trust AI to tell you which stocks to buy? Some young Canadians are turning to chatbots like ChatGPT and Claude for investing advice and putting real money behind their recommendations. We meet a 23-year-old Toronto investor who uses ChatGPT to discover new stocks and guide investment decisions. Then Rob Carrick breaks down what AI gets right, its limitations, and how to use it safely without risking your savings Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

A baby or financial security: Who can still afford to have kids?

Nov 3, 2026 29 min

Having kids hasn’t been cheap for a long time. But with the cost of living so high, is starting a family becoming something only well-off Canadians can afford? New research from Statistics Canada suggests that income is playing a bigger role in who becomes a parent. In this episode, we hear from two mothers who want another child but are struggling with the financial realities of growing their families. We also speak with chartered professional accountant Janine Rogan about why job security plays a big role in that decision, the hidden costs of parenthood, and how to know when you’re financially ready for a baby. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Influencing looks glamorous. But does it pay the rent?

Oct 27, 2026 21 min

When you scroll through Instagram and TikTok, influencing can look like easy money. But how much do Canadian content creators actually earn, and can they afford to leave their day jobs? In this episode of Stress Test, we speak with three Canadian influencers about their finances, from a full-time food creator earning six figures to a nurse making tens of thousands of dollars a year from a social media side hustle. They break down what brands pay, what it costs to create content and why a big following doesn’t always mean a big paycheque. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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All episodes

AI told me to buy this stock. Should I?

Nov 10, 2026 19 min

A baby or financial security: Who can still afford to have kids?

Nov 3, 2026 29 min

Influencing looks glamorous. But does it pay the rent?

Oct 27, 2026 21 min

Is 40 too old to buy your first home?

Oct 20, 2026 26 min

As more Canadians buy homes later in life, homeownership is increasingly competing with another major financial goal: saving for retirement. We meet two Canadians who bought their first homes in their 40s to learn why they waited, how they made it happen and whether they have any regrets. Then, Meera Raman speaks with certified financial planner Adam Jenkins about the risks of buying later in life and how to balance mortgage payments with retirement savings. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Anger vs profit: Should you sell your U.S. stocks?

Oct 13, 2026 25 min

Tensions between Canada and the U.S. are at an all-time high, and some young Canadians are questioning whether they still want to invest so much of their money south of the border. We hear from a millennial investor who dramatically reduced his U.S. holdings. Then Rob Carrick and financial planner Aravind Sithamparapillai discuss the risks and potential benefits of scaling back U.S. investments, and what investors should weigh before making a change to their portfolios. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Coming soon: Season thirteen of Stress Test

Oct 6, 2026 1 min

When are you ready to buy a home? To have a kid? To quit your day job and become your own boss? In 2026, financial milestones look different than they used to. This season of Stress Test gets into the big money decisions Canadians are facing. We’ll look at whether the trade war is changing how people invest, why more Canadians are buying their first homes in their 40s and 50s, and how much money online influencers really make. Season thirteen of Stress Test launches October 14th wherever you get your podcasts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

No, you don’t need $1.7-million to retire

Apr 29, 2026 27 min

Retirement can feel overwhelming when headlines insist you need millions before you can stop working. But is that actually true? In this episode, we hear from young Canadians with very different visions of life after work. Then retirement reporter Meera Raman sits down with financial planner Moira Rose Váně to challenge some of the biggest assumptions about retirement. Together, they explore why so many younger Canadians feel behind before they’ve even begun, and what a more realistic path to retirement can look like. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Everyone wants a prenup. Very few people get one

Apr 22, 2026 29 min

More than half of young Canadians say they’d want a prenup if they got married or entered a common-law relationship. But only a small share have actually signed one. So what’s stopping them? In this episode, we look at the gap between interest and action and why prenups may still be harder, pricer and more emotionally charged than many expect. We hear from a Toronto woman who says getting a prenup with her husband became the most difficult part of wedding planning. Then, Aimee Schalles, lawyer and co-founder of Jointly.ca, breaks down what could happen if you don’t have a prenup, why more young Canadians want them, and why so few actually sign. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Your “starter home” might be your forever home

Apr 15, 2026 26 min

For decades, there was a formula for homeownership. Buy something small, maybe a condo or a townhouse, watch its value rise, and then eventually move up to something bigger. But that formula is breaking down for many young Canadians. Today, we’re looking at what happens when an idea passed down through generations stops working when it's your turn. First, we hear from a Toronto homeowner who stretched far beyond her budget to skip the starter home altogether and buy a place she hopes to stay in long-term. Then, we meet a millennial who’s decided to rent and wait rather than make the jump into homeownership. And later, Rob speaks with Mike Moffatt, founding director of the Missing Middle Initiative, who explains why many young buyers are either stuck in small condos or skipping the first rung entirely and what today’s market means for people hoping to move up. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Thanks to AI, your resume is perfect. So is everyone else’s

Apr 8, 2026 28 min

Breaking into the job market has always been tough, but right now, it feels harder than usual. Hiring is slow. Competition is high. And at the same time, artificial intelligence is changing the kinds of tasks that once defined entry-level roles. So what’s really behind this shift? We hear from economist and professor Larry Smith, who says new technology has always shaken up the labour market, but AI is doing so at a much faster speed. He also explains why creativity and adaptability matter more than ever. Then, recruiter Travis O’Rourke joins us to explain how AI is already reshaping hiring. From fewer entry-level roles to a surge of AI-generated applications, he breaks down what job seekers are up against and what actually makes someone stand out. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Is this the golden age of DIY investing?

Apr 1, 2026 25 min

Investing on your own has never been simpler. Trading fees are disappearing, apps are better than ever and features like fractional shares mean you can start investing with just a few dollars. But is easier always better? On today’s episode, we look at what’s changed, what’s improved and what still matters most in the investing world. We hear from two Canadians who’ve taken different paths into DIY investing, and how new tools, from mobile apps to automated features, have changed how they invest their money. Then, Rob Carrick explains what’s driving this shift, why these changes are particularly good for new investors and why easier access isn’t always a positive. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Big spender, risky investor: Today's committed Gen Z renter

Mar 25, 2026 23 min

Despite a cooling housing market, home ownership still feels out of reach for many young Canadians. Now, new research suggests that when young people decide to opt out of saving for a home, their behaviour can change in surprising ways. They spend more, save less, and take bigger risks with their investments. We hear from two committed renters in their 20s about why they’re not interested in saving for a down payment. Then, Roma speaks with certified financial planner Shannon Lee Simmons about how giving up homeownership can affect everything from daily spending to building long-term wealth. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Rents are falling, so why does it still feel so expensive?

Mar 18, 2026 23 min

Renters in Canada are finally catching a break. In Canada’s biggest cities, rents have been falling for more than a year and vacancy rates are rising. Some landlords are even offering incentives like free months of rent and move-in bonuses to attract tenants. But the reality on the ground is more complicated. In this episode, Roma and The Globe’s consumer affairs reporter Mariya Postelnyak unpack how many deals there really are in today’s rental market. We hear from a Toronto renter who recently searched for a new apartment and discovered that while competition may be easing, securing a place still takes strategy and a little budget flexibility. Then, Mariya speaks with housing analyst Shaun Hildebrand of Urbanation about the forces behind the shifting rental market. He explains why rents have been dropping in major cities, where the deals are and what the data suggests could happen next. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Yes, the stock market will crash. Are you ready?

Mar 11, 2026 24 min

After years of strong gains, the stock market’s resilience has many investors and experts wondering how much longer it can last. We hear from a 25-year-old from B.C. about her first market downturn, her reaction to the drop and how it changed her investing mindset. Then Rob talks with wealth advisor Aaron Hector, a wealth advisor at TIER Wealth in Calgary, about why the stock market has been so strong since COVID, why the tech sector seems primed for a downturn, and how to shore up your portfolio in a bear market. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Coming soon: Season twelve of Stress Test

Mar 4, 2026 1 min

There's so much financial uncertainty out there right now. Stocks have soared, but global conflicts are casting a shadow. House prices are falling. The labour market is shifting. Even the things that are supposed to be getting easier, like renting, don’t quite feel that way. Welcome back for another season of Stress Test, The Globe and Mail’s personal finance podcast for millennials and Gen Z. This season, we’ll look at how to prepare for the inevitable stock market downturn, how AI is disrupting the job market, and how accessible apps and low fees have made this a golden age for DIY investors. Season 12 of Stress Test launches on March 11th. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

A big-travel, small-budget blueprint for 2026

Dec 3, 2025 25 min

Despite economic uncertainty, millions of Canadians continued to travel abroad and domestically in 2025. We want to know where they’re going - and how they’re doing it affordably. We hear from Stress Test producer Zahra Khozema about how she budgets for 2-3 trips a year. Then, The Globe’s consumer affairs reporter Mariya Postelnyak speaks with travel photographer Mandy Sham about her favourite affordable destinations, the trends she’s noticing among young Canadians travelling abroad and her top travel hacks for keeping costs low. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Casinos in your pocket: The blurring line between investing and gambling

Nov 26, 2025 24 min

Over the last four years, legalized sports betting has become a massive industry in Canada. In Ontario alone, people placed bets worth a total of around $11-billion in 2024. It’s simple to do: Open an app, bet a few bucks and watch the scoreboard. At the same time, trading apps have made investing quicker and easier, and the process feels very similar. We’re not saying gambling and investing are the same, but the lines are blurring thanks to app design and the sheer amount of time we spend on our phones. Roma speaks with Shannon Lee Simmons, a certified financial planner and author based in Toronto, about how she’s seeing a gambling mentality bleed into investing, particularly among young people. Then, The Globe’s personal economics reporter Erica Alini speaks with Perry Wright and Hans Frech, behavioural researchers at the Common Cents Lab at Duke University, about the behavioural similarities between gambling and speculative investing, what tactics these apps are enforcing and how to set up guardrails to protect your finances when using these apps. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

You’ve just been let go. Now what?

Nov 19, 2025 26 min

Job cuts are a growing reality. In the past month, Amazon, Canada Post, Stellantis, General Motors, and Imperial Oil have been among the companies that have let plenty of employees go. Getting fired can come as a shock. And it can leave people financially strapped as they try to find their bearings. So what do you do if you suddenly find yourself in this situation? We hear from a Toronto-based tech worker about what she learned from being let go earlier this year. Then, Rob speaks with Nicole Biros-Bolton, a human rights and employment lawyer at Bird Bolt Law in Hamilton, Ontario, about your rights after your employment is terminated, how severance is calculated and how to navigate the process of applying for employment insurance. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Your next mortgage renewal could be a shocker. Here’s what to do

Nov 12, 2025 26 min

During the pandemic, record-low interest rates meant cheap mortgages. These days? Rates are higher. And worries about where they’re headed next mean tough decisions for homeowners. We hear from a Toronto-based millennial about how she’ll manage her finances when her mortgage rate potentially doubles in the new year. Then, Rob speaks with Victor Tran, a licensed mortgage agent and real estate sales representative, about how higher rates are impacting housing affordability, and what your options are if you’re renewing at a much higher rate than before. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

No jobs in this economy: Why the labour market is so brutal right now

Nov 5, 2025 28 min

The job market for young Canadians is terrible these days. Lots of qualified, talented people are sending out tons of resumes and getting zero replies. We hear from two recent grads who have been struggling for months to get an interview, let alone a job offer. Then Erica Alini, The Globe’s personal economics reporter, speaks with Matt Lundy, The Globe’s economics editor, about the conditions driving high unemployment for young Canadians, lessons they learned as new graduates during the global financial crisis, and how AI is changing the hiring process for both applicants and employers. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

She left school to buy a laundromat: The appeal of ‘boring businesses’

Oct 29, 2025 27 min

Adulthood is a never-ending parade of chores. Clothes to clean, cars to wash, appliances to fix. Businesses that serve these needs, like laundromats, car washes, and vending machines, are honestly a bit, well, boring. But that doesn’t mean they aren’t making good money. And financially savvy Canadians are taking note. This week, we’ll hear from two 20-somethings who bought so-called “boring” businesses from boomers looking to retire. Then, The Globe’s new personal finance reporter, Meera Raman, speaks with Blake Corey, a certified financial planner and the president of Venn Wealth Partners, about why some are drawn to these boring businesses and what people should consider before they buy in. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Is it time to check out AI for investing advice?

Oct 22, 2025 27 min

More investors are turning to artificial intelligence for investing advice. But should you trust what ChatGPT tells you about ETFs, the stock market and where to put your money? We hear from two investors about how AI factors into their investing strategy. Rob Carrick also speaks with Ben Felix, portfolio manager and head of research at PWL Capital and co-host of the Rational Reminder podcast, about whether he finds AI investment advice reliable, if the technology is a threat to financial advisors and common pitfalls to watch out for. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Condo hate is real. What's the new path to homeownership?

Oct 15, 2025 28 min

You might be familiar with this home ownership journey: save for a down payment, buy a condo, live in it for a few years, sell it at a profit, then use that money to buy a bigger home with multiple bedrooms and a backyard. It was the standard home-owning playbook for older millennials. But with high interest rates and an oversaturated condo market, that formula has unravelled. In this episode, we’ll hear from a Calgary-based Gen Z who said buying a condo in 2022 was the worst financial decision of her life. Then, Roma speaks with John Pasalis, president and broker at Realosophy Realty, about just how bad the condo market is and what Gen Z and millennials should consider as they navigate the changing landscape. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Coming soon: Season eleven of Stress Test

Oct 8, 2025 1 min

The Globe’s personal finance podcast for Gen Z and millennials is back for another season. Join host Roma Luciw, recently retired Rob Carrick and The Globe’s roster of personal finance reporters as they dig into the financial questions impacting Canadians. Up this season: timely topics like AI investing, the condo crisis, and why young Canadians are buying boring businesses. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

They ditched Canada's big cities for a cheaper lifestyle. How did it work out?

Feb 26, 2025 23 min

It’s been five years since the pandemic lockdowns began. As they dragged on, people working in cramped condos began craving more space – and began relocating to smaller cities, towns or rural areas, where housing was cheaper. So how did it work out for them? In this episode, we check in with guests from previous seasons to discuss their moves, whether it was good for their financial situation and if they’d ever think about moving back. We reconnect with a former pro hockey player who we met in Season 3. He relocated from Toronto to St. John, New Brunswick in the first year of the pandemic. We also hear from a B.C. woman who we spoke with in Season 9. She left her life in Vancouver for the coast of Spain. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Feeling behind? Why your parent’s financial timeline won’t work for you

Feb 19, 2025 27 min

We've all seen the ads: Hip investors in their 20s, happy homeowners in their 30s, and content retirees at 65. There's a lot of pressure to reach certain financial milestones by a certain age. But these deadlines aren’t working for everyone. It’s never been harder - or more unrealistic - to hit these milestones at the same age as previous generations. In this episode, Roma speaks with Sam Lichtman, founder of Millen Wealth Advisors, about why we need to adjust our expectations and rethink the personal finance timeline. We also speak with a B.C. man who just bought his first home in his mid-40s. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

From tariffs to crypto: A survival guide to investing in the Trump era

Feb 12, 2025 24 min

The news cycle hasn’t stopped since U.S. President Donald Trump was reelected. The past month has seen big ups and downs in the stock market, crypto, and the dollar. Whether you’re a novice investor or have lots of money in the stock market, you’re probably wondering what the second Trump presidency will mean for your finances. In this episode, Rob speaks with Aravind Sithamparapillai, an associate at Ironwood Wealth Management Group, to get his advice on investing during turbulent times. They talk about how tariffs could impact the market, the growing fascination with crypto, and whether now’s a good time to invest in the first place. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

You broke up, but can you afford to move out?

Feb 5, 2025 28 min

When relationships fall apart, the financial pressure of finding a new place to live can hit hard. All of a sudden, both partners need to adjust to covering the cost of rent or mortgage, utilities, and grocery bills - on one income. These financial strains are forcing some couples to live together for months - or years - after a breakup. We hear from a millennial who lived with his ex-wife and children for 8 months after they separated. And Roma chats with Shannon Lee Simmons, founder of the New School of Finance, about how couples are navigating high housing costs when they want to split. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Hustle culture draining you? Say hello to the soft life

Jan 29, 2025 22 min

We live in a society that glorifies overworking. But some people are tired of girl-bossing and rise-and-grinding. Instead of working harder for what can feel like less, they’re ready to lean out and embrace what some people call the “soft life.” It means prioritizing your rest and well-being over the corporate rat race. We’ll hear from a millennial who slowed down to the extreme - she quit her job and bought a farm. Then, Rob speaks with Chantaie Allick, the co-founder of Rework, an organization that helps people unlearn grind culture, heal from burnout and build their careers in more sustainable ways. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

More young adults are buying homes alone. How are they pulling it off?

Jan 22, 2025 24 min

Buying a home with a partner is hard enough. But a growing number of Canadians aren’t waiting for love - or marriage - before they jump into real estate. About 20 percent of homes sold in Canada are purchased by solo buyers. Single-person households are the fastest-growing type of household in the country, according to census data. Still, it can be surprising to see people make such a huge investment, given the rising price of real estate. We’ll hear from three Canadian solo buyers about how they’ve managed to pull it off. They hustled. They made sacrifices. Two even lived with their parents until their late 20s. It's possible - but it certainly is not easy. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Is a university or college degree still worth the money?

Jan 15, 2025 26 min

A post-secondary degree is commonly seen as the best way to get ahead. But the cost of university and college is rising - and it’s rising faster than the salary you can earn with a degree. As the math changes, is a post-secondary degree still a no-brainer? We speak with two recent grads about their job prospects after finishing their bachelor's and master's degrees, respectively. And Roma speaks with Jermaine L. Murray, a recruiter and the founder of JupiterHR, about how much employers value higher education in today’s job market. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

No, you’re not throwing your money away on rent

Jan 8, 2025 29 min

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Coming soon: Season ten of Stress Test

Jan 2, 2025 1 min

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Here’s what young Canadians are putting in their TFSAs

Jul 24, 2024 32 min

We’re taking a peek into the TFSAs of regular Canadians to give you ideas of how to better use yours. In this episode, Rob chats with Aravind Sithamparapillai of Ironwood Wealth Management to break down TFSAs, FHSAs and RRSPs. Aravind is not an accredited planner. We’re also joined by two guests with very different investment strategies: a tech entrepreneur in the midst of launching his own business, and a millennial whose investment journey started somewhat unintentionally. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Look out employers: Here come Gen Z

Jul 17, 2024 32 min

Gen Z is entering the workforce — and changing it. These 20-somethings are digital natives, they prioritize work-life balance, and their loyalty is to themselves. In this episode, we talk to two Gen Z's who took a stand for what they wanted in their workplaces. One even convinced his boss to move the entire company to a four-day work week. And Roma speaks with Dr. Dave Drewery of the Work-Learn Institute at the University of Waterloo about how workplaces can adapt and make the most of their Gen Z workers. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Viral TikToks can crawl into your brain and trigger spending

Jul 10, 2024 25 min

Maybe you clicked on a link and bought this season’s must-have sneakers. Or maybe you spent an embarrassing amount of money on lights and balloons to replicate that perfect birthday party photo. Well, you’re not the only one whose spending is fuelled by what you’re seeing online. In this episode, Rob chats with a Gen Z woman who planned her summer vacation — using just TikTok. And Roma interviews Casey Lewis, a U.S. consultant who writes After School, a popular newsletter about youth consumer trends. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Counting on an inheritance? Not so fast

Jul 3, 2024 29 min

Just mention the word “inheritance” and people get their backs up. It’s no surprise that people are reluctant to chat about getting free money. In this episode, Rob chats with Julia Chung, a financial planner, about why you shouldn’t factor an inheritance into your financial plans. We’re also joined by an Edmonton woman whose parents plan to spend every dime in retirement. And an Ontario millennial walks us through whether or not she should take her parents’ offer of an early inheritance. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Would you co-own a house with your parents?

Jun 26, 2024 25 min

Adult kids are increasingly relying on mom and dad to make their home ownership dreams a reality. In this episode, Rob talks to a real estate agent who specializes in co-ownership. We chat with a B.C. woman who bought a house with her parents — who also see the house as an investment. And our guest from Toronto was able to break into an expensive housing market by purchasing a portion of his father and stepmother’s home. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Home ownership and a baby: Can you afford both?

Jun 19, 2024 25 min

Having kids has always been expensive. These days, with housing costs soaring for both renters and owners, it can feel impossible to buy a home and start a family at the same time. In this episode, Rob talks to a 28-year-old new mom who’s renting with her partner. Roma chats with a 34-year-old man who chose to move their family in with their in-laws to power save for a downpayment. We’re also joined by Shannon Tatlock, a certified financial planner, to discuss the steps young parents are taking so they’re financially prepared to start a family. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

How far would you commute to save money?

Jun 12, 2024 28 min

Commuting is back above pre-pandemic levels thanks to immigration and a reduction in remote work. In this episode, Rob talks to a 28-year-old lawyer who’s saving a pile of cash by living with her parents. Roma chats with a 34-year-old marketing professor who flies from Edmonton to Vancouver for work. We’re also joined by Clare Kumar, a Toronto-based productivity coach. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Meet the young people leaving Canada for an affordable life

Jun 5, 2024 22 min

It’s getting harder and harder to build a good life in Canada. Everything is just so expensive. Most of us feel it — especially those of us just starting out. If you can work remotely, have you ever considered packing up and trying to get ahead near the beach? In this episode, we hear from two 30-year-olds; one who’s about to move to Spain and the other who’s been living in Playa del Carmen, with no plans to return any time soon. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Coming soon: Season nine of Stress Test

May 29, 2024 1 min

Economic vibes still aren’t great. You want to get ahead, but it feels like you’re just getting by. And life events are coming at you fast: a new home, a career change, a baby. Hosts Rob Carrick and Roma Luciw are back for season nine of Stress Test, The Globe’s personal finance podcast for Gen Z and millennials. Coming up this season: why some Canadians are moving to warmer and cheaper climates, and the real cost of being a super-commuter. Plus, how does an inheritance factor into your financial plans? Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

5 personal finance resolutions for 2024 (that you can actually keep)

Dec 13, 2023 19 min

If your usual resolutions are “go to the gym” or “eat healthy,” don’t forget that a mindful approach to money is also a ticket to improved wellness. We asked listeners in their 20s and 30s some basic personal finance “hygiene” questions when it comes to credit scores, tracking expenses, writing wills, spending on food and first home savings accounts. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Salaries, mortgages and EVs: The top personal finance stories of 2023

Dec 6, 2023 27 min

Is a $100,000 salary enough for a comfortable life any more? Where are mortgages headed next? Are you electric car curious? Rob and Roma chat with the reporters who wrote some of the best-read personal finance stories from The Globe and Mail this year. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Can you really afford a dog?

Nov 29, 2023 30 min

Many Canadians have become first-time pet owners since the pandemic. But with the price of pet food and vet costs soaring, owners are struggling to afford their COVID companions. In this episode, Roma speaks to Shawn Morey, the executive director of the Peterborough Humane Society. We’re also joined by two people that became first-time pet owners in their 20s. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

What the tightening job market means for you

Nov 22, 2023 28 min

During the pandemic, employees had the upper hand in the job market. But the balance of power has shifted back to employers. They’re more hesitant to hire, less willing to offer remote work and less generous with what they are offering. We hear from a recent grad who applied for more than 100 jobs before landing a role, and a recently laid off tech worker with over a decade of experience. And Rob talks to Jermaine L. Murray, a Toronto-based tech recruiter and career coach. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

So, you splurged. Now what?

Nov 15, 2023 30 min

The urge to splurge is universal. After the bleakness of the pandemic, people are spending more on the big and little things that bring them joy. But there are healthy ways to manage splurge-spending that don't leave you buried in debt. In this episode, we hear from a Swiftie with a “Taylor Swift" concert obsession. And Roma speaks with Shannon Lee Simmons, a certified financial planner and founder of the New School of Finance. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

The struggle is real: how homeowners are coping with soaring mortgage rates

Nov 8, 2023 32 min

First, home owners with variable rate mortgages felt the pain of soaring interest rates. Then, people with fixed rate mortgages began to renew at sharply higher rates. In this episode, we hear from first-time homebuyers in Vancouver and Kingston who are now spending more than half their income on housing. And Rob talks to Victor Tran, an Ontario-based mortgage broker. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dual income, no kids: How much more fun are they having?

Nov 1, 2023 28 min

The appeal of the DINK lifestyle – that’s double income, no kids – might seem obvious. But having more control over your life and finances comes with questions about your social safety net in retirement. We spoke to two women who are embracing the DINK life, along with Jay Zigmont, the founder of Childfree Wealth, a financial planning firm that serves people who don’t have kids. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Adulting with roommates: solo living is a luxury in today’s rental market

Oct 25, 2023 23 min

A growing number of Canadians are living with roommates longer than they ever expected. What once was seen as a short chapter in life is turning into a long-term way to find affordable housing. Soaring house costs has people searching for roommates well into their 30s and beyond. We spoke to three women in Vancouver, Toronto and Halifax about how living with roommates is helping them make ends meet. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

See all 117 episodes

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Podcast details

Created by: The Globe and Mail
Status: Active
Latest episode: Nov 10, 2026
Episodes: 117
Release period: Weekly
Avg. episode length: 24 min
Explicit: No
Language: English

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