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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RPG Stress Test is an actual play podcast where members of the DSM crew get together and ruin various RPG systems by running one-shot campaigns with idiotic settings and even dumber characters. New episodes release every two weeks!
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Here’s what young Canadians are putting in their TFSAs
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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 ent…
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Look out employers: Here come Gen Z
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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…
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Viral TikToks can crawl into your brain and trigger spending
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Maybe you clicked on a link and bought this season’s must-have sneakers. Or maybe you spent an embarrassing amount of money on lights and balloons to replicate that perfect birthday party photo. Well, you’re not the only one whose spending is fuelled by what you’re seeing online. In this episode, Rob chats with a Gen Z woman who planned her summer …
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Counting on an inheritance? Not so fast
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Just mention the word “inheritance” and people get their backs up. It’s no surprise that people are reluctant to chat about getting free money. In this episode, Rob chats with Julia Chung, a financial planner, about why you shouldn’t factor an inheritance into your financial plans. We’re also joined by an Edmonton woman whose parents plan to spend …
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Would you co-own a house with your parents?
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Adult kids are increasingly relying on mom and dad to make their home ownership dreams a reality. In this episode, Rob talks to a real estate agent who specializes in co-ownership. We chat with a B.C. woman who bought a house with her parents — who also see the house as an investment. And our guest from Toronto was able to break into an expensive h…
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Home ownership and a baby: Can you afford both?
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Having kids has always been expensive. These days, with housing costs soaring for both renters and owners, it can feel impossible to buy a home and start a family at the same time. In this episode, Rob talks to a 28-year-old new mom who’s renting with her partner. Roma chats with a 34-year-old man who chose to move their family in with their in-law…
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How far would you commute to save money?
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Commuting is back above pre-pandemic levels thanks to immigration and a reduction in remote work. In this episode, Rob talks to a 28-year-old lawyer who’s saving a pile of cash by living with her parents. Roma chats with a 34-year-old marketing professor who flies from Edmonton to Vancouver for work. We’re also joined by Clare Kumar, a Toronto-base…
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Meet the young people leaving Canada for an affordable life
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22:33
It’s getting harder and harder to build a good life in Canada. Everything is just so expensive. Most of us feel it — especially those of us just starting out. If you can work remotely, have you ever considered packing up and trying to get ahead near the beach? In this episode, we hear from two 30-year-olds; one who’s about to move to Spain and the …
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Coming soon: Season nine of Stress Test
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Economic vibes still aren’t great. You want to get ahead, but it feels like you’re just getting by. And life events are coming at you fast: a new home, a career change, a baby. Hosts Rob Carrick and Roma Luciw are back for season nine of Stress Test, The Globe’s personal finance podcast for Gen Z and millennials. Coming up this season: why some Can…
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Escape From Tinseltown - Goblin With a Fat Ass
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Escape From Tinseltown - Goblin With a Fat Ass It's another Christmas bonus! SURPRISE!!! This time we're taking on the WIDEly requested system Goblin with a Fat Ass by @Orbitaldropkick. We save Christmas yet again, this time as blessedly thicc goblins. Happy holidays folks, we'll see you next year for Season three! -Cast- DM- Eldritch Elk Players- …
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DSM Royale: Mordal Combat - We Hardly Knew Ye
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DSM Royale: Mordal Combat - We Hardly Knew Ye The season 2 finale happens to also be the epic return of We Hardly Knew Ye and we saved the best for last. We attempt to service every fan by having our key Stressters reprise roles from episodes past. Join us as we fight for the sake of our universe in Mordal Combat. -Cast- DM- TheWhiteShadow Players-…
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5 personal finance resolutions for 2024 (that you can actually keep)
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If your usual resolutions are “go to the gym” or “eat healthy,” don’t forget that a mindful approach to money is also a ticket to improved wellness. We asked listeners in their 20s and 30s some basic personal finance “hygiene” questions when it comes to credit scores, tracking expenses, writing wills, spending on food and first home savings account…
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Salaries, mortgages and EVs: The top personal finance stories of 2023
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Is a $100,000 salary enough for a comfortable life any more? Where are mortgages headed next? Are you electric car curious? Rob and Roma chat with the reporters who wrote some of the best-read personal finance stories from The Globe and Mail this year.Af Rob Carrick, Roma Luciw
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2 Guys 1 Moon - Two Guys on the Moon
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2 Guys 1 Moon - Two Guys on the Moon On this week's episode, we play yet another 2-player RPG, Two Guys on the Moon by Brendan McLeod. We figure out what it takes to appease the Digital Media Devil and fulfill a forgotten blood pact. Cast- TheWhiteShadow - TheWhiteShadow Dallas Welk - Dallas Welk Check out Two Guys on the Moon on Itch.io! - https:/…
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Many Canadians have become first-time pet owners since the pandemic. But with the price of pet food and vet costs soaring, owners are struggling to afford their COVID companions. In this episode, Roma speaks to Shawn Morey, the executive director of the Peterborough Humane Society. We’re also joined by two people that became first-time pet owners i…
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What the tightening job market means for you
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During the pandemic, employees had the upper hand in the job market. But the balance of power has shifted back to employers. They’re more hesitant to hire, less willing to offer remote work and less generous with what they are offering. We hear from a recent grad who applied for more than 100 jobs before landing a role, and a recently laid off tech…
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A Night of Mostly Murders - Be Gay Solve Crime
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A Night of Mostly Murders - Be Gay Solve Crime This week Adam is Stresstin' our first one-player RPG, Be Gay Solve Crime by Oliver Darkshire. Adam's boyfriend, Chris, guest stars in this episode so we can introduce REAL sexual tension in the game! Cast- Detective William Scott- A-MacLieutenant Bob Johnson - Chris (Adam's Boyfriend)Sanctimony Brown …
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The urge to splurge is universal. After the bleakness of the pandemic, people are spending more on the big and little things that bring them joy. But there are healthy ways to manage splurge-spending that don't leave you buried in debt. In this episode, we hear from a Swiftie with a “Taylor Swift" concert obsession. And Roma speaks with Shannon Lee…
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The struggle is real: how homeowners are coping with soaring mortgage rates
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First, home owners with variable rate mortgages felt the pain of soaring interest rates. Then, people with fixed rate mortgages began to renew at sharply higher rates. In this episode, we hear from first-time homebuyers in Vancouver and Kingston who are now spending more than half their income on housing. And Rob talks to Victor Tran, an Ontario-ba…
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The Spring Formal Part 2 - Let's Be Magical!
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The Spring Formal Part 2 - Let's Be Magical! After kicking a bunch of asses in the gym, the Magical Girls have to find the perfect dresses to wear to the Spring Formal. Will they wrap up every plot thread Kat throws at them, or are they doomed to banish the biggest evil and call it a day? Cast- DM- Kat Murray Methany- Dallas Welk B3- Zach Amory Sme…
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Dual income, no kids: How much more fun are they having?
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The appeal of the DINK lifestyle – that’s double income, no kids – might seem obvious. But having more control over your life and finances comes with questions about your social safety net in retirement. We spoke to two women who are embracing the DINK life, along with Jay Zigmont, the founder of Childfree Wealth, a financial planning firm that ser…
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The Spring Formal Part 1 - Let's Be Magical!
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The Spring Formal Part 1 - Let's Be Magical! This week we're magical girls exploring the hardships of high school and other hellish things. Kat DM's her first game and we ruin a perfectly innocent system by Nick Potter. It's time to be very very magical. Cast- DM- Kat MurrayMethany- Dallas Welk B3- Zach Amory Smelly Beef- Mavaney ChristiansonSynnam…
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Adulting with roommates: solo living is a luxury in today’s rental market
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A growing number of Canadians are living with roommates longer than they ever expected. What once was seen as a short chapter in life is turning into a long-term way to find affordable housing. Soaring house costs has people searching for roommates well into their 30s and beyond. We spoke to three women in Vancouver, Toronto and Halifax about how l…
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Coming soon: Season eight of Stress Test
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What does the “new normal” look like these days? In a period of soaring costs and rampant uncertainty, it means spending a larger chunk of your income on housing—whether that’s high rent or supercharged mortgage payments. Here to help you make sense of it all, join hosts Rob Carrick and Roma Luciw for another season of Stress Test, The Globe’s pers…
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Lost Tapes Part 2 - M.E.R.C.s
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Lost Tapes Part 2 - M.E.R.C.s The Mercs are up against a bunch of gangsters and a pile of antiquated media. Will someone die? Probably. Cast- DM- Ada Ed C. Biscuit- Dallas Welk BB- Kat Murray Dr. Valka- A-Mac McTorian- Matt Check out M.E.R.C.s on DriveThruRPG! - https://www.drivethrurpg.com/product/427303/Ashlands-MERCs?affiliate_id=3862759 Check o…
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Lost Tapes Part 1 - M.E.R.C.s
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Lost Tapes Part 1 - M.E.R.C.s This week we travel to Newland City as a bunch of delinquent cyberpunk mercenaries on a mission to retrieve a crate of tapes. We're stresstin' out M.E.R.C.s by Wolfhound RPGs, the best system to do exactly that! Even better, we have one of the creators guest DMing our adventure. Cast-DM- AdaEd C. Biscuit- Dallas WelkBB…
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Badger + Coyote Review A few minutes after playing Badger + Coyote, we talked about the system and what we thought of it. Check out Badger + Coyote by Pandion Games! http://pandiongames.com/backerkit - Check out RPG Stress Test on social media! Twitter - https://twitter.com/RPGStressTest Facebook - https://www.facebook.com/RPGStressTest Youtube - h…
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Cool Skunkles - Badger + Coyote This week we find ourselves making Stress Test history as we play our first two-player RPG. Badger + Coyote is a GM-less duet game that allows each player to take on the roles of a Badger and a Coyote, an unlikely adventuring duo with tendencies of miscommunication. We luckily become two of the coolest skunk dads in …
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Unincorporated Review A few months after playing Unincorporated, we talk about the system and what we thought of it. Check out Unincorporated by Ethan Harvey (https://ethanharvey.itch.io/unincorporated) and be sure to support what they do! (https://ethanharvey.itch.io/) Check out Ethan Harvey on Twitter! - https://twitter.com/ByEthanHarvey Check ou…
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Privet Glade Part 3 - Unincorporated
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Privet Glade Part 3 - Unincorporated In this episode, we tie some loose ends and figure out the murder of Johnny Lockett. Cast- Richard Cobalt- Dallas WelkWill Layne- TheWhiteShadowKelly MacIntyre- A-MacWade Shimley - Eldritch ElkBeverly Williams - Kat Murray Check out Unincorporated by Ethan Harvey! - https://ethanharvey.itch.io/unincorporated htt…
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Privet Glade Part 2 - Unincorporated
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Privet Glade Part 2 - Unincorporated It's time to actually play Unincorporated. That's right! Not only is it a world-building game, but it has mechanics for actually acting as and further developing your characters. It even has a rolling system for challenge checks. Watch as we try to solve a murder... while making it up on the fly. Cast- Richard C…
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Privet Glade Part 1 - Unincorporated
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Privet Glade Part 1 - Unincorporated Today we flip the script a bit and dedicate a whole episode to character creation and world-building! We're playing Unincorporated, a system designed to help flesh out the messy relationships that evolve from small-town living. Cast- Richard Cobalt- Dallas WelkWill Layne- TheWhiteShadowKelly MacIntyre- A-MacWade…
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Stoneburner Review Right after finishing our Stoneburner playthrough, we talk about the system and what we thought of it. Check out Stoneburner by Fari RPGs (https://farirpgs.com/) and be sure to support what they do! (https://www.patreon.com/farirpgs) Check out René-Pier on Twitter! - https://twitter.com/RPDeshaies Check out RPG Stress Test on soc…
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Fistful of Kobolds Part 2 - Stoneburner
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Fistful of Kobolds Part 2 - Stoneburner After discovering the body of Gary Longneck, the dwarven miners are sure they definitely inherited the mine. But, there's still money to be made in rescuing the Kobold mother. Cast- DM- Eldritch Elk Players- Harkar Farmor Darkbrow- Dallas WelkOritor Deeppick- TheWhiteShadowRock Dwarfman - A-MacGargalon Minesh…
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Fistful of Kobolds Part 1 - Stoneburner
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Fistful of Kobolds Part 1 - Stoneburner A mine full of wonders awaits this gang of dwarven street urchins who got to stake a claim after their employee had an unfortunate accident. -Cast- DM- Eldritch Elk Players-Harkar Farmor Darkbrow- Dallas WelkOritor Deeppick- TheWhiteShadowRock Dwarfman - A-MacGargalon Mineshaft - Zach Amory Gary Longneck - Re…
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Fisting of Fury Part 2 - Feng Shui
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Fisting of Fury Part 2 - Feng Shui The thrilling conclusion to Fisting of Fury is finally upon us! Find out how the Brothers of the Flaming Fist discover the truth behind their mother's sordid affairs. -Cast- DM- Zach Amory Players-Alan Smith- Dallas WelkJJ- TheWhiteShadowKidd Dick- A-Mac Check out Feng Shui by Atlas Games! - https://www.atlas-game…
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Why more Canadians are giving up on home ownership
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After years of soaring home prices, there was hope that rising interest rates would lead to lower prices in 2023 and give young Canadians an entry point into the market . And while they did go down, higher mortgage rates have left housing as unaffordable as ever. For those without family help or oversized paycheques, buying a home is just not finan…
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How soaring rents are transforming student life
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Student debt is a growing problem in Canada - one that’s set to get worse in the coming years. And although tuition has crept higher, it’s the soaring cost of rent and everyday living that's causing the trouble. So what should students consider before making decisions for their post-secondary lives? Paul Kershaw, founder of Generation Squeeze and a…
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'Punched in the face by my investments’: How to endure stock market swings
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It’s tough to save money to invest in the first place, so it stings to watch your investments drop. If you’ve started in the last few years, you’ve just seen your first large ups and downs in the stock market. So how do you know if you’re on the right track? And how do you keep emotions in check? A 38-year-old from Mississauga who started investing…
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How climate anxiety is shaping small and large financial decisions
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Climate change is a growing concern for many young Canadians, with some questioning where they should live, what they should be saving for and how they should invest. Others wonder whether they should bother planning for a future at all. But is there a smart way to weave our climate concerns into our personal finance decisions? Certified financial …
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Save money and the planet: How thrifting can help combat inflation
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A $5,700 wedding dress for $64. Expensive baby items for a fraction of the price. Construction materials to renovate a home. When you need something, buying used is a great way to save a pile of cash and keep perfectly good items out of landfills. It isn’t a new phenomenon, but it’s gaining more popularity as living expenses soar. In this episode, …
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Fertility treatments can be a massive, unexpected cost for Canadians. Here’s what you should know
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For the one in six Canadian couples who experience infertility, the path to having a baby can be difficult emotionally, physically and financially. Same sex couples and people trying to get pregnant without a partner are on the same road. And for all these aspiring parents, fertility treatments aren’t cheap. In this episode, Roma speaks to Dr. Tama…
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Taxes 101: Tips to make the most of your return this season
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Tax season can be, well, taxing. Whether you’re a gig worker trying to keep track of receipts or a remote employee struggling to figure out how much home office space to claim, filing a return can be daunting. We know most of you don’t have an accountant on your favourite contacts list, so we’re dedicating this episode to all things taxes. Rob spea…
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Why millennials and Gen Z are Alberta-bound for a more affordable life
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In 2022, the number of people moving to Alberta hit its highest level in almost a decade. At the same time, a record number of people left Toronto for other provinces. And it all comes down to affordability. In this episode, we’ll delve into the factors contributing to the rise in interprovincial migration and hear from Canadians who made the move …
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Coming soon: Season seven of Stress Test
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The economy is looking shaky and everyone’s trying to save money, whether it's on rent, groceries or just living life. The good news? The Globe’s personal finance podcast for Gen Z and millennials is back for another season. Join hosts Rob Carrick and Roma Luciw as they make sense of a changing financial reality - and help you achieve your goals. U…
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Everyone is Santa - Everyone is John
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Everyone is Santa - Everyone is John Surprise! It's the Stress Test Christmas Special! This week we play the one-page RPG, Everyone is John, but with a twist! They're actually Santa. Happy holiday folks, we'll see you in Febru-arch-ish for Season 2! -Cast- DM- Eldritch Elk Players-Santa - Dallas WelkSanta - Zach AmorySanta - Kat MurraySanta - TheWh…
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Rising interest rates brought pain for new homeowners - and opportunity for house hunters
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26:47
When we first launched Stress Test, the homeownership story was one of low interest rates, climbing prices and bidding wars. But the real estate market has changed drastically this year - now it’s a story of rising interest rates, falling prices and fewer listings. So what does it mean for new and potential homeowners? In the last episode of the se…
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Why more Canadians are choosing to be childfree or delay parenthood
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Canadians are waiting longer to have kids. If they do, they’re having fewer. And people say money is one of the big reasons why they’re going childfree. In this episode, we’re looking at the most personal of personal finance topics: the cost of deciding whether to have children, when and how many. We hear from a 27-year-old woman from Mississauga, …
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Is it still a good time to ask for a raise, with a recession looming?
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Chances are your salary isn’t rising as fast as inflation. But before you march into your boss’s office to demand a raise, remember there’s a recession looming. That doesn’t mean you shouldn’t ask - but your pitch needs to be researched and realistic. In this episode, Rob speaks to compensation expert Manny Campione about what’s going on in the job…
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Renovating can help you get the home you otherwise can't afford
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For those struggling to get a foothold in Canada’s expensive real estate market, home improvements aren’t a luxury - they’re a necessary evil to secure housing that fits their needs. But is doing the work a more affordable option than buying the perfect place? In this episode, we’re looking at how renovations can get you the home you want but other…
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