Would you co-own a house with your parents?

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. 

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.

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 vacation — using just TikTok. And Roma interviews Casey Lewis, a U.S. consultant who writes After School, a popular newsletter about youth consumer trends.

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 every dime in retirement. And an Ontario millennial walks us through whether or not she should take her parents’ offer of an early inheritance.

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 housing market by purchasing a portion of his father and stepmother’s home.

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-laws to power save for a downpayment. We’re also joined by Shannon Tatlock, a certified financial planner, to discuss the steps young parents are taking so they’re financially prepared to start a family.

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-based productivity coach.

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 other who’s been living in Playa del Carmen, with no plans to return any time soon.

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 Canadians are moving to warmer and cheaper climates, and the real cost of being a super-commuter. Plus, how does an inheritance factor into your financial plans?

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 accounts.