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

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.

PublishesWeeklyEpisodes109Founded6 years ago
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Artwork for Stress Test

Latest Episodes

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 lo... more

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 w... more

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 ... more

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

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Recent Guests

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
Travis O'Rourke
President of Hays Canada, a recruitment firm
Hays Canada
Episode: Thanks to AI, your resume is perfect. So is everyone else’s
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
Shannon Lee Simmons
Certified Financial Planner in Toronto and author of 'Making Bank'
Episode: Casinos in your pocket: The blurring line between investing and gambling
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

Hosts

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

Reviews

4.6 out of 5 stars from 488 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
    Canadaa month 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
    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

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
#22
Canada/Business/Investing
Apple Podcasts
#56
Canada/Business

Talking Points

Recent interactions between the hosts and their guests.

Is this the golden age of DIY investing?
Q: Rob, why is early 2026 a good time to be a DIY investor?
There are more affordable and accessible apps, zero-cost trading is widespread, and risk-management tools are improving, making it easier to start small and learn while keeping costs low.
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.

Audience Metrics

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Listeners per Episode
Gender Skew
Location
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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. Front Burner
5. The Big Story

How many episodes of Stress Test are there?

Stress Test launched 6 years ago and published 109 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. Mike Moffatt
2. Larry Smith
3. Travis O'Rourke
4. Shaun Hildebrand
5. Aaron Hector
6. Zahra Khozema
7. Mandy Sham
8. Shannon Lee Simmons

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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