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

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 mo... more

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... more

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 inv... more

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, d... more

Key Facts

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Recent Guests

Shaun Hildebrand
President of Urbanation, housing analyst
Urbanation
Episode: Rents are falling, so why does it still feel so expensive?
Aaron Hector
Wealth Advisor at TIER Wealth
TIER Wealth
Episode: Yes, the stock market will crash. Are you ready?
Zahra Khozema
Freelance journalist and one of the producers on the show Stress Test.
The Globe and Mail
Episode: A big-travel, small-budget blueprint for 2026
Mandy Sham
Travel photographer and journalist.
Freelancer
Episode: A big-travel, small-budget blueprint for 2026
Perry Wright
Behavioral researcher at Common Sense Lab, Duke University
Common Sense Lab, Duke University
Episode: Casinos in your pocket: The blurring line between investing and gambling
Hans Frech
Behavioral researcher at Common Sense Lab, Duke University
Common Sense Lab, Duke University
Episode: Casinos in your pocket: The blurring line between investing and gambling
Nicole Biros-Bolton
Human rights and employment lawyer at Bird Bolt Law.
Bird Bolt Law
Episode: You’ve just been let go. Now what?
Victor Tran
Licensed mortgage agent and real estate representative
Based in Toronto
Episode: Your next mortgage renewal could be a shocker. Here’s what to do
Matt Lundy
Economics editor at The Globe and Mail
The Globe and Mail
Episode: No jobs in this economy: Why the labour market is so brutal right now

Hosts

Roma Luciw
Host of Stress Test
Rob Carrick
Host of Stress Test

Reviews

4.6 out of 5 stars from 486 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
    Canada10 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
    Canadaa year 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
    Canadaa year ago
  • Useful

    Important information even for older people. Please continue

    Apple Podcasts
    5
    Ilona Toronto
    Canada2 years 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
    Canada2 years ago

Listeners Say

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

Some listeners desire more precise financial terminology and broader issue coverage.
These insights help with Canadian context and practical budgeting.
Guests and topics are highly relevant for housing and investing decisions.

Chart Rankings

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

Apple Podcasts
#29
Canada/Business/Investing
Apple Podcasts
#72
Canada/Business
Apple Podcasts
#229
Indonesia/Business/Investing

Talking Points

Recent interactions between the hosts and their guests.

Rents are falling, so why does it still feel so expensive?
Q: What is happening in the rental market right now in Canada?
Rents are at multi-year lows overall, but behavior varies by city and unit size, with incentives and shorter-term price negotiations affecting what renters actually pay; larger trend relies on new condo supply and policy changes.
Yes, the stock market will crash. Are you ready?
Q: What does Aaron recommend regarding crypto in a diversified portfolio?
Hold a small amount if you can tolerate the risk, recognizing crypto is highly volatile and not suitable for money you may need soon.
Yes, the stock market will crash. Are you ready?
Q: Should people in the near term shift to safer assets during a downturn?
For short-term needs, yes—use high-interest savings or short-term GICs—but for long-term investing, maintain diversification and avoid market timing to participate in the upturn.
Yes, the stock market will crash. Are you ready?
Q: Young investors might ask, is that normal for markets to rebound after a crash?
Yes, markets have historically shown recoveries after declines, though the pace and duration can vary; the key is to stay invested or gradually deploy cash rather than trying to time the bottom.
You’ve just been let go. Now what?
Q: What's the first thing you should do if you're laid off or terminated?
Don't sign anything immediately and consult with a lawyer to check the severance offer.

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?

Listeners are drawn to practical, Canadian-focused personal finance guidance with a strong emphasis on housing, budgeting, and investing during economically volatile times. Episodes blend real-life renter and homeowner experiences with expert analysis from economists and financial planners, plus timely discussion of trends like rent fluctuations, mortgage renewals, AI in investing, and the housing market for young adults. The show often features guests spanning real estate, consumer finance, and money psychology, making it valuable for listeners who want actionable tips and a clear Canadian context. A notable strength is its ability to translate complex market dynamics into relatable stories, while maintaining credibility through staff writ... more

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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. The Rational Reminder Podcast
5. Front Burner

How many episodes of Stress Test are there?

Stress Test launched 6 years ago and published 106 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. Shaun Hildebrand
2. Aaron Hector
3. Zahra Khozema
4. Mandy Sham
5. Perry Wright
6. Hans Frech
7. Nicole Biros-Bolton
8. Victor Tran

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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