Despite 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 travel hacks for keeping costs low. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
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 phones.Roma speaks with Shannon Lee Simmons, a certified financial planner and author based in Toronto, about how she’s seeing a gambling mentality bleed into investing, particularly among young people. Then, The Globe’s personal economics reporter Erica Alini speaks with Perry Wright and Hans Frech, behavioural researchers at the Common Cents Lab at Duke University, about the behavioural similarities between gambling and speculative investing, what tactics these apps are enforcing and how to set up guardrails to protect your finances when using these apps. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
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 Biros-Bolton, a human rights and employment lawyer at Bird Bolt Law in Hamilton, Ontario, about your rights after your employment is terminated, how severance is calculated and how to navigate the process of applying for employment insurance. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
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 if you’re renewing at a much higher rate than before. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
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 financial crisis, and how AI is changing the hiring process for both applicants and employers. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
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, speaks with Blake Corey, a certified financial planner and the president of Venn Wealth Partners, about why some are drawn to these boring businesses and what people should consider before they buy in. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
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 and common pitfalls to watch out for. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
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 her life. Then, Roma speaks with John Pasalis, president and broker at Realosophy Realty, about just how bad the condo market is and what Gen Z and millennials should consider as they navigate the changing landscape. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
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 for advertising.
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 Season 3. He relocated from Toronto to St. John, New Brunswick in the first year of the pandemic. We also hear from a B.C. woman who we spoke with in Season 9. She left her life in Vancouver for the coast of Spain. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
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 personal finance timeline. We also speak with a B.C. man who just bought his first home in his mid-40s. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
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 about how tariffs could impact the market, the growing fascination with crypto, and whether now’s a good time to invest in the first place. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
When relationships fall apart, the financial pressure of finding a new place to live can hit hard. All of a sudden, both partners need to adjust to covering the cost of rent or mortgage, utilities, and grocery bills - on one income. These financial strains are forcing some couples to live together for months - or years - after a breakup. We hear from a millennial who lived with his ex-wife and children for 8 months after they separated. And Roma chats with Shannon Lee Simmons, founder of the New School of Finance, about how couples are navigating high housing costs when they want to split. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
We live in a society that glorifies overworking. But some people are tired of girl-bossing and rise-and-grinding. Instead of working harder for what can feel like less, they’re ready to lean out and embrace what some people call the “soft life.” It means prioritizing your rest and well-being over the corporate rat race. We’ll hear from a millennial who slowed down to the extreme - she quit her job and bought a farm. Then, Rob speaks with Chantaie Allick, the co-founder of Rework, an organization that helps people unlearn grind culture, heal from burnout and build their careers in more sustainable ways. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
Buying a home with a partner is hard enough. But a growing number of Canadians aren’t waiting for love - or marriage - before they jump into real estate. About 20 percent of homes sold in Canada are purchased by solo buyers. Single-person households are the fastest-growing type of household in the country, according to census data. Still, it can be surprising to see people make such a huge investment, given the rising price of real estate. We’ll hear from three Canadian solo buyers about how they’ve managed to pull it off. They hustled. They made sacrifices. Two even lived with their parents until their late 20s. It's possible - but it certainly is not easy. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
A post-secondary degree is commonly seen as the best way to get ahead. But the cost of university and college is rising - and it’s rising faster than the salary you can earn with a degree. As the math changes, is a post-secondary degree still a no-brainer? We speak with two recent grads about their job prospects after finishing their bachelor's and master's degrees, respectively. And Roma speaks with Jermaine L. Murray, a recruiter and the founder of JupiterHR, about how much employers value higher education in today’s job market. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
We’re taking a peek into the TFSAs of regular Canadians to give you ideas of how to better use yours. In this episode, Rob chats with Aravind Sithamparapillai of Ironwood Wealth Management to break down TFSAs, FHSAs and RRSPs. Aravind is not an accredited planner. We’re also joined by two guests with very different investment strategies: a tech entrepreneur in the midst of launching his own business, and a millennial whose investment journey started somewhat unintentionally. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
Gen Z is entering the workforce — and changing it. These 20-somethings are digital natives, they prioritize work-life balance, and their loyalty is to themselves. In this episode, we talk to two Gen Z's who took a stand for what they wanted in their workplaces. One even convinced his boss to move the entire company to a four-day work week. And Roma speaks with Dr. Dave Drewery of the Work-Learn Institute at the University of Waterloo about how workplaces can adapt and make the most of their Gen Z workers. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.