Rephonic
Artwork for Stress Test
Personal Finance
Gen Z
Millennials
Financial Planning
Rising Tuition Costs
Real Estate Market
Job Market For Graduates
Home Buying
Career Development
Employer Hiring Practices
Mental Health
Covid-19
Tax-Free Savings Accounts
Financial Independence
Education Strategy
Inflation
Work-Life Balance
First Home Savings Accounts
Co-Ownership
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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.

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Artwork for Stress Test

Latest Episodes

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... more

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’... more

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 str... more

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-ow... more

Key Facts

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Recent Guests

John Pasalis
President and Broker at Realosophy Realty
Realosophy Realty
Episode: Condo hate is real. What's the new path to homeownership?
Jordan Owens
Former professional hockey player and digital media company owner
N/A
Episode: They ditched Canada's big cities for a cheaper lifestyle. How did it work out?
Sam Lichtman
Certified financial planner and founder of Millen Wealth Advisors
Millen Wealth Advisors
Episode: Feeling behind? Why your parent’s financial timeline won’t work for you
Shannon Lee Simmons
Toronto-based financial planner and founder of the New School of Finance
New School of Finance
Episode: You broke up, but can you afford to move out?
Chantaie Allick
Co-founder of Rework, helps people address grind culture and burnout
Rework
Episode: Hustle culture draining you? Say hello to the soft life
Jermaine L. Murray
Founder of JupiterHR, a career agency
JupiterHR
Episode: Is a university or college degree still worth the money?
Ben Felix
Chief Investment Officer and a Portfolio Manager at PWL Capital, co-host of the Rational Reminder Podcast
PWL Capital
Episode: No, you’re not throwing your money away on rent
Aravind Sithamparapillai
Financial Planner at Ironwood Wealth Management Group
Ironwood Wealth Management Group
Episode: Here’s what young Canadians are putting in their TFSAs
Dave Drewery
Associate Director of the Work-Learn Institute at the University of Waterloo
University of Waterloo
Episode: Look out employers: Here come Gen Z

Hosts

Rob Carrick
Host and personal finance columnist who provides insights on various financial issues affecting Canadians.
Roma Luciw
Personal finance editor focusing on financial literacy and guiding audiences through challenging economic conditions.

Reviews

4.6 out of 5 stars from 479 ratings
  • It's great!

    I have been listening for a little while now and I am really enjoying this podcast. I am glad it is speaking about personal finance from a Canadian persective. Thank you!

    Apple Podcasts
    5
    Umbra25
    Canada5 months ago
  • One of the best podcasts in the personal finance space!

    This podcast makes personal finance interesting and fun! Highly recommend!

    Apple Podcasts
    5
    Autty_yakkas
    Canada7 months ago
  • Where is the journalism??

    The latest episode made me unsubscribe, nepo babies are the only ones who can buy houses in Canada… okay??? We’ve known this.

    Apple Podcasts
    1
    Kyttes
    Canada9 months ago
  • Useful

    Important information even for older people. Please continue

    Apple Podcasts
    5
    Ilona Toronto
    Canadaa year ago
  • Inaccurate terms, incomplete information

    I was stoked to see a podcast about personal finance but the more I listen, the more I hear inaccurate terms and incomplete information. In the episode about finances and children, the hosts did not once mention the Canada Child Benefit. This payment, that parents receive once a child is born, can make a really big difference to families. It helped us pay our bills especially while on maternity and parental leave. In the episode about TFSAs, the introduction characterizes a TFSA as a savings acc... more

    Apple Podcasts
    2
    Heyoheoh
    Canadaa year ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

The hosts' rapport and chemistry contribute positively to the overall listening experience, making tough topics feel approachable.
Some criticisms highlight a noticeable disconnect between the solutions offered and the realities faced by the broader audience, particularly around issues like homeownership.
Listeners appreciate the practical financial advice offered, especially in a relatable manner suited for younger audiences.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Apple Podcasts
#12
Canada/Business/Investing
Apple Podcasts
#31
Canada/Business
Apple Podcasts
#102
Indonesia/Business/Investing
Apple Podcasts
#210
Russia/Business/Investing
Apple Podcasts
#250
India/Business/Investing

Talking Points

Recent interactions between the hosts and their guests.

Condo hate is real. What's the new path to homeownership?
Q: What would you say to a young Canadian who's listening to this podcast and wondering whether to buy a condo, keep renting, or wait?
Be cautious and consider long-term living needs before purchasing a condo. If uncertain, renting may be a wise decision.
Condo hate is real. What's the new path to homeownership?
Q: What is your sense on where Gen Z's attitude is towards condo buying compared to generation maybe 10 or 20 years ago?
There is still interest among Gen Z, but the challenge is that condo prices are quite high, and they prefer slightly larger units rather than the very small ones being built.
From tariffs to crypto: A survival guide to investing in the Trump era
Q: Is now a good time for young investors to get into stocks?
Investing during a market crash can actually be beneficial as it allows for lower-priced investments, akin to buying on sale.
From tariffs to crypto: A survival guide to investing in the Trump era
Q: What can you tell young investors to give them some perspective on all this?
Young investors should focus on consistent investment habits like dollar cost averaging, rather than trying to time the market.
From tariffs to crypto: A survival guide to investing in the Trump era
Q: What happens if I have a large portfolio? What does Trump in general do to the markets?
There are questions about the impacts of tariffs and their effect on corporate profits, which influence stock market performance.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
Gender Skew
Location
Interests
Professions
Age Range
Household Income
Social Media Reach

Frequently Asked Questions About Stress Test

What is Stress Test about and what kind of topics does it cover?

This podcast focuses on personal finance strategies for young adults, particularly those navigating the financial landscape altered by COVID-19. The hosts discuss a variety of pressing topics, such as home ownership, the impact of hustle culture, and navigating financial challenges during significant life changes like breakups and relocations. They often feature guests who share personal experiences and professional insights, making complex financial subjects more relatable and actionable for listeners. With a blend of expert advice and real-life stories, this resource is particularly valuable for those in their 20s and 30s, facing economic pressures and seeking to improve their financial literacy.

One noteworthy aspect is the podcast's co... more

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Which podcasts are similar to Stress Test?

These podcasts share a similar audience with Stress Test:

1. The Decibel
2. Cost of Living
3. TLDR
4. The Wealthy Barber Podcast
5. Build Wealth Canada Podcast

How many episodes of Stress Test are there?

Stress Test launched 5 years ago and published 98 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Stress Test?

Recent guests on Stress Test include:

1. John Pasalis
2. Jordan Owens
3. Sam Lichtman
4. Shannon Lee Simmons
5. Chantaie Allick
6. Jermaine L. Murray
7. Ben Felix
8. Aravind Sithamparapillai

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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