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Personal Finance
Financial Planning
Investing
Millennials
Gen Z
Real Estate
Covid-19
Rising Tuition Costs
Boring Businesses
Stock Market
Artificial Intelligence
Real Estate Market
Home Ownership
Home Buying
Job Market For Graduates
Young Entrepreneurs
Travel
Mental Health
Employer Hiring Practices
Career Development

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

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 ChatG... more

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 ... more

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 in... more

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 h... more

Key Facts

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Recent Guests

Jenny Brito
Plus-size model and fashion, makeup and skincare content creator
Episode: Influencing looks glamorous. But does it pay the rent?
Marina Neal
Nurse and social media creator who makes videos about nursing and pay
Episode: Influencing looks glamorous. But does it pay the rent?
Adam Jenkins
Certified financial planner
Episode: Is 40 too old to buy your first home?
Aravind Sithamparapillai
Financial planner
AMA Wealth
Episode: Anger vs profit: Should you sell your U.S. stocks?
Rebecca Howardson
Psychologist
Halifax, Nova Scotia
Episode: No, you don’t need $1.7-million to retire
Moira Rose Váně
Lawyer and advice-only financial planner
Moira Rose Financials, Edmonton
Episode: No, you don’t need $1.7-million to retire
Aimee Schalles
BC-based lawyer and co-founder of Jointly
Jointly
Episode: Everyone wants a prenup. Very few people get one
Mike Moffatt
Founding director of the Missing Middle Initiative and housing policy expert
University of Ottawa / Missing Middle Initiative
Episode: Your “starter home” might be your forever home
Larry Smith
Economist and professor at the University of Waterloo
University of Waterloo
Episode: Thanks to AI, your resume is perfect. So is everyone else’s

Hosts

Roma Luciw
Personal finance editor and host with a focus on consumer finance and housing insights
Rob Carrick
Host of Stress Test; personal finance columnist with expertise in consumer finance
Maria Postelnyak
Co-host and Consumer Affairs reporter with practical housing and consumer insights

Reviews

4.6 out of 5 stars from 494 ratings
  • Very cool podcast

    I’m not young by any stretch but somehow this one appeals to me a lot. Great insights in a simple way.

    Apple Podcasts
    5
    Freddiehappy
    Canada8 months ago
  • 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
    Canadaa year 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
    Canada2 years 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
    Canada2 years ago
  • Useful

    Important information even for older people. Please continue

    Apple Podcasts
    5
    Ilona Toronto
    Canada2 years ago

Listeners Say

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

Guests bring a mix of personal experiences and professional expertise that helps translate complex topics into actionable steps.
Some criticism notes coverage can feel out of touch for those without access to parental or familial financial support.
Listeners appreciate Canadian-focused, practical finance guidance delivered in an accessible way.
Overall, episodes are considered informative and relevant to current housing and investing climates.

Chart Rankings

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

Apple Podcasts
#17
Canada/Business/Investing
Apple Podcasts
#34
Canada/Business
Apple Podcasts
#54
Colombia/Business/Investing
Apple Podcasts
#91
Colombia/Business
Apple Podcasts
#96
Philippines/Business/Investing
Apple Podcasts
#156
Russia/Business/Investing

Talking Points

Recent interactions between the hosts and their guests.

Influencing looks glamorous. But does it pay the rent?
Q: What are your takeaways?
The hosts conclude that a large following does not necessarily mean high earnings, influencing involves substantial business work and expenses, and creator income requires planning because it fluctuates.
Influencing looks glamorous. But does it pay the rent?
Q: How much money are content creators really making, and where does it come from?
The creators say most Canadian influencer income comes from brand partnerships rather than platform payments for views. Earnings vary with audience, deliverables and rights, and income is unpredictable after expenses and taxes.
Is 40 too old to buy your first home?
Q: What would you say to someone who says, let's put all of our savings towards a house because my house is my retirement plan?
Jenkins describes a home as one part of a portfolio and warns that tying all savings to one illiquid asset creates risk. He recommends maintaining more liquid retirement savings and spreading investments across different assets.
Is 40 too old to buy your first home?
Q: So if someone were to purchase their home for the first time in their 40s, can they still realistically meet that traditional timeline of retiring in their 60s, early 60s?
Jenkins says it depends on planning in advance and working backward from the desired retirement timing. Buyers may need a shorter amortization, larger lump-sum payments, or another plan for paying down the mortgage.
Anger vs profit: Should you sell your U.S. stocks?
Q: If the stock side of my portfolio is a pie, how big should the slices for Canada, the US, and the international markets outside of North America be?
He describes an evidence-based approach of putting about 30% in Canadian stocks and investing the remaining 70% according to global market weights, which translates to roughly 40% to 42% in U.S. stocks.

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?

The show focuses on practical personal finance in a Canadian context, with episodes that mix real-life stories and expert guidance to demystify housing, investing, retirement, and career decisions. Across recent installments, guests share firsthand experiences—from renters navigating affordability to DIY investors evaluating apps, and from legal and financial planning pros to policy-minded researchers—offering actionable steps and guardrails for listeners facing shifting markets and economic uncertainty. A standout element is the emphasis on relatable, human-scale narratives paired with professional insights, making complex topics feel accessible and locally relevant for people navigating money, housing, and work in Canada.

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Rephonic provides a wide range of podcast stats for Stress Test. We scanned the web and collated all of the information that we could find in our comprehensive podcast database. See how many people listen to Stress Test and access YouTube viewership numbers, download stats, audience demographics, chart rankings, ratings, reviews and more.

How many listeners does Stress Test get?

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What are the audience demographics for Stress Test?

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How many subscribers and views does Stress Test have?

To see how many followers or subscribers Stress Test has on Spotify and other platforms such as Castbox and Podcast Addict, simply upgrade your account. You'll also find viewership figures for their YouTube channel if they have one.

Which podcasts are similar to Stress Test?

These podcasts share a similar audience with Stress Test:

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

How many episodes of Stress Test are there?

Stress Test launched 6 years ago and published 117 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

How do I contact Stress Test?

Our systems regularly scour the web to find email addresses and social media links for this podcast. We scanned the web and collated all of the contact information that we could find in our podcast database. But in the unlikely event that you can't find what you're looking for, our concierge service lets you request our research team to source better contacts for you.

Where can I see ratings and reviews for Stress Test?

Rephonic pulls ratings and reviews for Stress Test from multiple sources, including Spotify, Apple Podcasts, Castbox, and Podcast Addict.

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What guests have appeared on Stress Test?

Recent guests on Stress Test include:

1. Jenny Brito
2. Marina Neal
3. Adam Jenkins
4. Aravind Sithamparapillai
5. Rebecca Howardson
6. Moira Rose Váně
7. Aimee Schalles
8. Mike Moffatt

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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