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PODCAST

Stress Test

The Globe and Mail

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.

business investing

All Episodes

00:29:28

Everyone wants a prenup. Very few people get one

Stress Test ·

2026/04/22

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

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00:26:06

Your “starter home” might be your forever home

Stress Test ·

2026/04/15

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

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00:28:43

Thanks to AI, your resume is perfect. So is everyone...

Stress Test ·

2026/04/08

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

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00:25:24

Is this the golden age of DIY investing?

Stress Test ·

2026/04/01

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

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00:23:18

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

Stress Test ·

2026/03/25

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

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00:23:18

Rents are falling, so why does it still feel so...

Stress Test ·

2026/03/18

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

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00:24:44

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

Stress Test ·

2026/03/11

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

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00:01:20

Coming soon: Season twelve of Stress Test

Stress Test ·

2026/03/04

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

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00:25:55

A big-travel small-budget blueprint for 2026

Stress Test ·

2025/12/03

Despite the 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

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00:24:04

Casinos in your pocket: The blurring line between...

Stress Test ·

2025/11/26

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

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00:26:23

You’ve just been let go. Now what?

Stress Test ·

2025/11/19

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

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00:26:14

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

Stress Test ·

2025/11/12

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

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00:28:19

No jobs in this economy: Why the labour market is so...

Stress Test ·

2025/11/05

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

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00:27:22

She left school to buy a laundromat: The appeal of...

Stress Test ·

2025/10/29

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,

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00:27:14

Is it time to check out AI for investing advice?

Stress Test ·

2025/10/22

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

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00:28:10

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

Stress Test ·

2025/10/15

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

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00:01:06

Coming soon: Season eleven of Stress Test

Stress Test ·

2025/10/08

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

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00:23:17

They ditched the Canada's big cities for a cheaper...

Stress Test ·

2025/02/26

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

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00:27:01

Feeling behind? Why your parent’s financial timeline...

Stress Test ·

2025/02/19

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

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00:24:31

From tariffs to crypto: A survival guide to investing...

Stress Test ·

2025/02/12

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

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110 results

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