Stress Test transcript: Cryptocurrencies are booming. But should you invest?

You had your best-laid plans after which COVID-19 got here alongside and hammered the complete economic system. However you’ve bought this – in case you have the precise info. Be a part of Rob Carrick and Roma Luciw on Stress Test, a podcast guiding you thru one of many largest challenges your funds will ever face.

ROMA: Do you put money into crypto? Are you apprehensive about lacking out on the development? Cryptocurrencies have been within the highlight due to their dramatic ups and downs.


ROB: So what are individuals who purchase cryptocurrency pondering? And what ought to earlier than investing?

ROMA: Welcome to Stress Take a look at, a podcast about private finance for Gen Z and millennials. I’m Roma Luciw, private finance editor at The Globe.

ROB: And I’m Rob Carrick, private finance columnist at The Globe and Mail.

ROMA: So, Rob, by now, everybody has heard of cryptocurrencies. Everybody’s speaking about it. However I ponder how many individuals perceive precisely what it’s and the way it works? How about we start with a definition of what crypto is?

ROB: Let me take a stab at that. Cryptocurrency is a digital or digital forex that exists independently of central banks and governments. The time period crypto refers to the truth that encryption is used within the creation of forex models, and it helps switch them from individual to individual. Crypto transactions are tracked utilizing blockchain expertise, which is a manner of digitally protecting data that require no central authority to handle issues. A few the variations between crypto and conventional forex: Crypto is digital, which implies you want what’s referred to as a pockets to retailer it. Additionally, we’re solely within the very early levels of with the ability to pay for items and providers utilizing cryptocurrencies. Bitcoin might be essentially the most extensively identified cryptocurrency. Some others are Ethereum, Dogecoin, Cardano and Tether. There may be your fast crypto tutorial.

ROMA: Cryptocurrencies are within the information. Everybody’s studying about it. What’s the enchantment?

ROB: You recognize, I believe a number of the enchantment that that is fully outdoors the normal monetary world. It’s outdoors of central banks, it’s outdoors of massive banks and companies. I believe that appeals to individuals. They keep in mind how the monetary system virtually got here unglued in 2008, ‘09, and so they put a number of the duty on the normal monetary system. And alongside comes crypto. It’s fully outdoors that it’s like a insurgent entity, and I believe that appeals to lots of people.

ROMA: OK, so we have now some sense of what it’s, and we do have some numbers by way of who’s investing in crypto. Speak us by way of that.

ROB: Effectively, there’s an estimate that about 3.2 per cent of the inhabitants personal crypto. Barely extra males are shopping for it than ladies. And large shocker – millennials are the biggest group of crypto holders in Canada, and apparently they account for nearly a couple of third of crypto possession. It’s actually a phenomenon of youthful individuals. Lots of people within the conventional investing trade and a number of skilled traders are very sceptical and cautious about crypto. I interviewed a complete bunch of monetary advisors and cash managers final summer time about crypto, and I used to be stunned how unwilling they had been to kind of carry it into their investing world, both purchase it or to at the least give it a more in-depth research. They really feel they’ll’t put a price on it. And that is likely one of the issues about crypto is it has a sure worth, however there’s no kind of underlying worth. There’s no earnings, there’s no central financial institution that stands behind it. So conventional monetary individuals really feel that’s a little bit of a turnoff and they’re avoiding it. However I’m beginning to discover slightly bit extra, slightly bit extra consideration being given to crypto. One very huge cash administration firm gives multi function ETFs trade traded funds. That’s a complete portfolio in a single ETF, a really handy, wonderful funding product to purchase, and so they simply launched some new ones which have a really small crypto allocation. I believe that’s a little bit of a turning level. Conventional investing and beginning to carry crypto into its product line.

ROMA: Mm-Hmm. One factor to remember is the individuals who bought in early have made some huge cash, however this area is excessive threat and risky. So anybody who’s contemplating getting concerned and investing in crypto must be ready for some fairly wild swings and strap in for a really risky trip.

ROB: Yeah, like virtually nothing else within the investing world, crypto is about large ups and downs, and you can not get in except you’re mentally ready for that.


ROMA: After the break, we’ll hear from an Ontario girl who began investing in crypto as a pandemic pastime.


ROMA: While you consider the everyday crypto investor, you won’t consider our subsequent visitor. However this younger girl has jumped into the crypto area. She’s having a number of enjoyable doing it.

CAIT: Hello, my identify is Kate. I’m 31 years previous, dwelling within the metropolis of Toronto, and I’m working as an city designer.

ROMA: Some individuals baked bitter dough, others bought pets. Cait’s largest pandemic pastime was investing in crypto.

CAIT: So I had heard about cryptocurrency truly a few years in the past. My mum’s been investing in cryptocurrency for fairly a couple of years, truly. However through the pandemic, I used to be sifting by way of hobbies and was type of burning by way of issues, and my brother began speaking to me about it once more. So it type of re-triggered the considered investing. Yeah. Once I first moved to Toronto, I began a financial savings account and I’ve not been impressed with the type of share that I’m incomes in my financial savings account. So I assumed crypto could be a superb alternative for me to make slightly bit extra money.

ROMA: In February 2021, Cait invested $3000 into crypto. And she or he’s by no means regarded again.

CAIT: The primary cryptocurrency that I bought was KuCoin, which is a platform primarily based token. After which I’ve simply been searching for totally different cryptocurrencies that both have one thing – provide one thing that’s of curiosity to me or I’ve examine them and suppose that they’re attention-grabbing tasks. So a few of my favorite ones, I like Polkadot lots. Cardano has been a very attention-grabbing one. After which I additionally put money into like Bitcoin and Ethereum, a number of the normal ones as effectively.

ROMA: So the place did a primary time crypto investor like Cait be taught concerning the totally different cash she was shopping for?

CAIT: So Reddit was a giant one. I’m not actually a fan of Reddit, however it grew to become like a very attention-grabbing area for me to enter below this like cryptocurrency neighborhood. In order that was nice. I began utilizing the apps like Telegram and Discord, so it’s principally simply a big group of individuals chatting about totally different matters. So you may enter totally different teams primarily based on what you’re thinking about. So it’s like particular cryptocurrencies can have a gaggle and it’ll simply be a dialog about that token particularly. After which simply Tik Tok, YouTube. I’ve type of executed all of it and searched for various those that I believe have a superb voice and are sharing info, and that’s invaluable to me.

ROMA: Cait says her mum is her function mannequin on the subject of investing in crypto. And when researching it, she’s drawn to feminine influencers or content material creators.

CAIT: By way of my very own private analysis and expertise, it’s such a male-dominated area. In order that’s even after I’m searching for individuals to observe, sources to type of take heed to. I actually take pleasure in discovering ladies who talk about it. There’s simply one thing about it. It’s similar to a extra snug expertise when there’s one other girl that’s speaking about investing.

ROMA: For Cait, crypto investing offers a way of neighborhood.

CAIT:It appears like you could have, yeah, full new group of individuals which can be sharing, , pursuits with you. I additionally suppose it’s like poetic in a manner that this occurred throughout a pandemic and whereas we’re all on-line anyway. And whereas we’re all interacting on-line with different individuals. So it simply virtually feels regular and a way that you simply’re constructing this neighborhood on-line whereas every part’s taking place on-line proper now, in any case.

ROMA: Cait’s crypto journey hasn’t been all clean crusing. In 2021, she invested in a Canadian crypto coin that ended up closing the identical yr. She misplaced $600.

CAIT: So I watched my cash slowly, slowly dwindle away. And yeah, sadly, in the long run, I left with nothing, however it’s OK, you reside and also you be taught.

ROMA: Even with that loss, Cait continues to speculate half her portfolio in crypto. And she or he’s keen to maintain investing on this area.

CAIT: so I receives a commission bi month-to-month, so I put a small quantity from every paycheque. Once more, it’s like one thing that I received’t take into consideration when it will get taken out and when it will get put right into a separate account. So I’m simply placing type of $50 from every paycheque. That’s it. And my technique has modified within the sense that I’m additionally now type of holding for a long run when issues are shifting so rapidly, it felt like I couldn’t sustain with it and I simply needed to like, actually keep on high of it. And now that issues have kind of slowed down slightly bit, , numbers are actually dipping fairly a bit decrease than they initially had been. It’s simply a kind of issues that I simply type of have to attend, wait and see the place issues, the place issues go.

ROMA: On the subject of crypto FOMO, you would possibly suppose it’d go away after getting a couple of crypto positive aspects. However for Cait, it was the other.

CAIT: I don’t suppose I felt the FOMO as a lot as I really feel it now. So as soon as I entered, it was like this rush of adrenaline that now I simply I really feel like I can’t put sufficient cash into it, and I really feel like nervous that I’m lacking out on new tasks. I really feel nervous that I’m lacking type of the upswing of issues. So it’s undoubtedly one thing I skilled now extra after beginning than earlier than I entered.

I by no means actually considered it actually as like a hindrance to my psychological well being. It was extra one thing that I used to be so excited to be part of. I’d be sitting at dwelling working with my laptop, and I’d have KuCoin open with like type of the markets continuously working. And it was similar to, this virtually obsession. Like, I couldn’t cease it and it was simply watching the numbers go up and down was like, so attention-grabbing to me. I simply discover cryptocurrency so thrilling as a result of it’s a 24 hour factor. So there have undoubtedly been a couple of nights the place I couldn’t sleep as a result of I used to be simply watching numbers rise.

ROMA: When crypto markets had been tremendous risky, Cait was checking her apps 4 to five instances a day. Now, she doesn’t really feel the necessity to do it as a lot. She additionally considers herself a excessive threat investor.

CAIT: And I simply really feel that as a result of I’m so I’m nonetheless so younger, there’s nonetheless alternative for me to earn money. And so I’m keen to type of take a bit extra threat in investing at this level.

I believe throughout my first type of like down swing of issues, I undoubtedly went into panic mode. I used to be like attempting to determine how do I get all of my cash out of right here instantly. After which I learnt what the phrase or the time period paper fingers meant, which is principally simply you fold and you’re unable to type of preserve your funding. You simply promote every part off. I’ve tried to not react so rapidly on the subject of cryptocurrency now. It’s simply a kind of issues that, sure, issues are going to go up and sure, issues are going to go down.

ROMA: She might have began shopping for crypto cash as a pandemic pastime, however what does the long run maintain?

CAIT: So I did have a monetary purpose that I’ve met, so now I don’t suppose there’s actually an final purpose. It’s simply to proceed investing in cryptocurrency as a result of I actually do consider, , that is the way in which that we’re headed. I believe that is what the long run goes to be. So I’m simply excited to be within the area at this time limit.


ROB: Crypto is a risky area. As a result of it’s not regulated, there are a justifiable share of rip-off tales. We’ll hear extra about one investor’s expertise, after the break.

ROB: Subsequent up at the moment, we hear from an Ontario man who skilled nice highs and lows in his journey.

BILLY: Hello, my identify is Billy. I reside in Niagara Falls, Ontario. I’m 26 years previous and I’m an engineer.

ROB: Billy began mining Dogecoin, the meme coin created as a joke, in 2013 as a approach to socialise along with his college floormates. He didn’t suppose a lot of the crypto area till 2017.

BILLY: And in 2017 there was an enormous hype with cryptocurrency, with bitcoin. However my actual journey investing in cryptocurrency began in 2021, after I began studying extra concerning the area, watching podcasts, studying articles, and that’s actually after I bought my foot in and began investing on my own. Simply trying extra into the area, however I invested in primarily the primary cash, the 2 that I really feel and I believe most, if not all, the individuals within the crypto area, they really feel that Bitcoin and Ethereum, they’re type of the blue chips of cryptocurrency. So I put cash in there and I actually fell down a rabbit gap and began studying about these new cash. And I put my cash to another ones, particularly like Ada, Cardano, Solana, and there’s a couple of others as effectively.

ROB: As a brand new investor, Billy realized an costly lesson after attempting to money out the Dogecoins he mined in college.

BILLY: Yeah, 2021 rolled by. So I bought extra into the area and that piqued my curiosity of like, Hey, so these previous cash on my previous Toshiba laptop computer. It doesn’t really feel like I’ve that in my checking account. I mine these cash, now they’re price one thing. It was simply onerous for me to type of totally grasp that like they had been mine, so what I wished to do was put them onto an trade.

ROB: Billy posted on the Dogecoin sub-Reddit searching for assist. He acquired a direct message from somebody who stated that they had simply executed the identical factor – mined a bunch of cash, recovered them and now had the cash. The scammer even made a put up about their success.

BILLY: I felt that he type of bought my belief along with his put up, and it was a kind of Reddit posts the place you see, like so many symbols on the high and simply individuals are simply completely satisfied for him. And I used to be completely satisfied for him too. However that was not the case. It was a rip-off put up, simply attempt to actually add credentials to his Reddit profile sadly.

ROB: The scammer was persistent and stored asking Billy if he’d gone by way of the directions that had been despatched over. They insisted on serving to Billy step-by-step.

BILLY: So, yeah, he’s going by way of these steps with me. Step six was the step that I bought scammed. So he informed me to run this command on PowerShell, so I can replace my notes and my cash or get misplaced in limbo. So I ran step six. Clicked enter and Home windows gave me an error. And at that second, that’s when the facade simply went away. And I used to be like, “This man simply scammed me.”

ROB: To confirm that his cash had been gone, Billy checked the transaction historical past in his crypto pockets. And similar to that, 90,000 Dogecoin, price round $90,000, had been gone.

BILLY: So yeah, yeah, I noticed it being taken out utilizing the blockchain explorer, and I informed them they “Hey like my funds are now not my account.” And he says, “What are you speaking about? I don’t know what you’re saying.” And I informed him what I did, I simply checked on the blockchain explorer and so they’re gone. They’re simply transacted out. And he’s similar to, “I don’t know what you’re speaking about, like, I’m simply attempting that will help you.” So I used to be speaking to the man for like 20 extra minutes. And it’s simply. The identical forwards and backwards, I’m like, you could have my cash. Simply admit that you simply stole my cash. That was type of like my finish resolve as a result of I requested them cuz I simply needed to ask him, like, “Hey, are you able to give it again, please? Like, I really want the cash. Like, I hoped to do lots with it.” And he’s simply gaslighting me like, “No, I don’t have your cash. I don’t know what you’re speaking about.” And he even had the audacity to be like, Are you attempting to rip-off me?

ROB: After the incident, Billy went to the police. He filed a report and later contacted the FBI, however nobody’s adopted up with him.

BILLY: It’s only a new area. There’s actually not a lot you are able to do about it. It’s not like I can contact my financial institution and inform me, “Hey, are you able to cease this transaction?” It’s simply how the blockchain is, how bitcoin is, how crypto is. That having that possession of an asset, there’s no recourse, there’s no like third social gathering that may actually…retaliation on these scammers simply due to the character of the expertise.

ROB: Billy desires to warn others about being too influenced by crypto FOMO.

BILLY: You get into the area and also you’re like in that neighborhood too or no matter. And also you see, like individuals speak about these cash and such as you get a number of FOMO as effectively. You see cash go up like 100X. All these things and also you’re like, Oh, like, I want I invested into it. So there’s a number of FOMO. There’s a number of like. I don’t know, type of like peer stress in a manner, it’s like all you need to catch up and all that stuff.

ROB: Even after being scammed, Billy nonetheless has 60 per cent of his investments in crypto. He believes blockchain is the long run.

BILLY: There’s cash that I’ve like a conviction for. All those I put cash in. I really feel like they’ll carry worth indirectly. However the primary cash like Bitcoin, Ethereum, I’m like, I undoubtedly suppose that’s an funding and I’m not trying to like, take out my cash and like a few years or something or like in a couple of months. I actually do suppose like these major blue chips. They’re like, it’s simply expertise like, I don’t really feel society will in the long run, like push again on expertise. I do suppose it’s an development. So within the subsequent 5 or 10 years, I do suppose like the worth of them, like they’ll go up, they’ll be greater than they’re now. However I can’t predict like quick time period throughout the subsequent yr or no matter, and so they might undoubtedly go down.


ROB: After listening to the tales of our two earlier company, a few of you should still be uncertain of what to make of crypto. That’s why I spoke with Braden Dennis and Simon Belanger of the Canadian Investor podcast about their recommendations on crypto investing for these trying to get began. Right here’s a part of our dialog.

ROB: Guys, we’re right here to speak about crypto, and I need to begin off by asking you, what’s your one or two sentence elevator pitch for the millennial or Gen Z investor to say, what’s crypto all about? Do I would like it?

SIMON: Yeah, yeah, in order that’s a superb query, and I imply, undoubtedly crypto has developed lots since its inception for the reason that late, I believe it was 2009 if I keep in mind accurately or 2008 when bitcoin was first created. Now it may be tough to navigate for lots of people as a result of there’s 1000’s of cryptos on the market. You see Tik Tok movies, individuals speak about sure new cash that they only heard of. They’re attempting to get individuals to purchase in and so forth. Personally, I principally personal Bitcoin. I do personal some Ethereum as effectively. The rationale for these two, extra particularly Bitcoin, is the one I’ve essentially the most conviction in. It’s a private choice for everybody. It’s extremely risky and it’s best to in case you’re thinking about cryptocurrency, it’s best to simply make investments what, actually, you’re able to see go away to zero. So in case you’re snug with that, then you may allocate a share that you simply’re snug with.

ROB: Braden, how vital is it for a younger investor to have a bit of crypto proper now?

BRADEN: Effectively, my easy reply is that for my part, vital to concentrate to very revolutionary and disruptive applied sciences. Simon and I are long run traders in the truth that the majority, the overwhelming majority of our portfolio is in prime quality companies through public, publicly traded inventory. So we purchase and maintain the most effective companies on Earth, well-researched fundamentals of fairness positions. Now we do additionally maintain some Bitcoin and slightly little bit of Ethereum. 99 per cent of the opposite tasks are actually not that attention-grabbing from the attitude of a lot of them wish to simply get wealthy fast. The truth is with Bitcoin and plenty of attention-grabbing issues taking place on the Ethereum blockchain, as an example, is that it’s been confirmed to really have actual use circumstances and be basically sound cash on the subject of Bitcoin particularly. A variety of the opposite tasks Simon and I, we’re simply not fairly thinking about them but. By way of like your major query, I do consider it’s vital to at the least take note of it. It’s not for everybody Simon simply talked about. It’s loopy, loopy, risky, as we have now seen. And so it’s a must to type of have that in thoughts, however I do suppose that it’s price taking note of on the naked minimal.

ROB: OK, I’m your portfolios like a pie. How huge is the crypto slice for every of you?

BRADEN: It varies fairly massive truly between us. Simon has owned Bitcoin for a number of a number of years. He was one one of many longest house owners of anybody I do know personally. For me, it’s about two and a half per cent of my portfolio.

ROB: Simon, what about you?

SIMON: Relying on the worth and we talked about the volatility, I’d say it in all probability ranges between 15 and 25 per cent up to now previous – three months, three or 4 months. However we did hit an all time excessive just some months in the past and dropped about 50 per cent since then.

ROB: Let’s have a look at some ideas for youthful traders who need to become involved in crypto, however they’re slightly uncertain of the best way to go about it. What are a few of your high items of recommendation for the beginner who desires to become involved?

SIMON: Effectively, yeah. So the very first thing I’d say be sure to perceive what you’re investing on. That will be the very first thing. So in case you’re thinking about Bitcoin, that’s high quality. However there’s a lot, particularly Bitcoin. There may be a number of info that you would be able to simply get simply to grasp. You’ll be able to learn the whitepaper. So for these of you who don’t know what it’s, a white paper principally simply defined the expertise behind the cryptocurrency itself. So simply performing some analysis first on. Second, like I discussed earlier, make investments a portion that you simply’re snug – I’d say simply snug shedding. Bitcoin has gone up and down fairly a bit. It’s commonplace to see 50, 60 per cent drops from all time highs after which simply see it go up double from there in a couple of months. So that you simply have to have the ability to abdomen the volatility. I’m not saying it’s going to go to zero. I’m simply saying, in case you have that mentality, then if there are lots, there’s a number of volatility. You received’t get too impacted by it. After which the following factor can be simply to select an trade to get began. So there’s some in Canada, within the US. Coinbase is one which’s very well-known. This one is way bigger. It’s within the U.S. and Canada. In Canada, I’ve used Shake Pay earlier than and it’s a really seamless expertise. So there are some simple methods to get began for individuals. First, Shake Pay, it’ll be extra restricted as a result of it’ll solely be Bitcoin and Ethereum. However Coinbase does provide a bunch of different cryptocurrencies. However the very last thing I’d say with different cryptocurrencies. Watch out of unit bias. So unit bias is simply desirous to put money into both a inventory or a cryptocurrency as a result of a single unit may be very low cost. So in cryptocurrencies, you can see, , sure cryptocurrency buying and selling for a fraction of a cent, and for shares, it may very well be penny inventory. Whereas it’d look low cost on a unit foundation, however in case you look and also you dig slightly bit and infrequently instances I’d simply say, have a look at the full provide that will provide you with a superb indicator, whether or not it’s costly or not, in comparison with a few of its friends.

BRADEN: My one suggestion for all traders, in case you in case you’re trying in moving into equities or in case you’re trying to dabble in some cryptocurrency, particularly Bitcoin, Ethereum is to be affected person and never impulsive. We’re seeing plenty of individuals. Hey, look, I tripled my cash in three days or hey, I’m shares as some day buying and selling devices. The truth is that that social gathering ends actually quick and it doesn’t work eternally. So my one suggestion is don’t act impulsively. Good investing occurs over years and a long time for younger individuals. Not days and quarters. So once you see a supply, give it some thought, sleep on it. If it’s telling you to do one thing proper now, then simply remember and cautious of that as a result of if it’s too good to be true, it extra typically is.

ROB: Guys, in closing, I ponder in case you might go away the listeners with one parting thought of how vital crypto’s going to be, not simply at the moment and never simply in at the moment’s headlines, however over the following 10, 20, 30, 50 years.

SIMON: Certain, yeah, for me, I believe it has a possible to fully revolutionise the way in which we do issues, our monetary system. One factor we didn’t actually speak about is, , we’re used to Canada having easy accessibility to financial institution accounts. However around the globe, a number of nations, lots of people don’t have that entry. And , one thing like bitcoin does give them the opportunity of being their very own financial institution and protecting that buying energy. So for me, it has the actually the potential of remodeling our monetary system. Will it? I’m unsure we’ll should see, however I believe it has the potential to try this. And we’re seeing corporations investing in cryptocurrencies fairly a bit, main corporations making main investments. We’re not the one ones taking discover, I’ll simply say that.


ROMA: The one factor that strikes me is that younger traders are hungry for this quantity of threat, and I’m involved about seeing them burned early. However, there’s this concept that in case you get launched to the highs and lows, you lose a bit, you progress ahead along with your eyes open. Maybe that’s an introduction to a extra balanced method to investing down the street.

ROB: I believe a part of the crypto phenomenon that we’ve seen for the reason that inventory market crash of March 2020 is that this large urge for food for threat of all sorts. It’s not simply crypto that individuals need, they’re investing in meme shares, they’re investing in AI shares and every kind of expertise shares as a result of there’s simply this large urge for food to take an opportunity. There’s some huge cash sloshing across the system. Folks have saved cash within the pandemic. There’s been authorities advantages have flowed to individuals, and I believe it’s a really particular time in investing proper now. Taking excessive dangers, rolling the cube has been rewarded. It isn’t all the time like this and we are going to return to a time when individuals are a lot much less keen to take threat. And riskier investments can be trickier to deal with. So don’t have a look at what’s taking place in crypto and different sorts of belongings and suppose that’s completely how the investing world is. Finally, individuals will tire of taking these huge probabilities. They’ll need one thing a bit safer, and crypto should work its manner by way of that. I’m positive it’s going to, however it’ll be risky.

ROB: Listed here are three takeaways on crypto.

  • The investing institution remains to be attempting to determine crypto out – some consider in it, others don’t. However it appears clear that crypto is now a part of our monetary system.
  • When you put money into crypto currencies, use solely cash you may afford to lose. As a tough rule, take into consideration having round 5 per cent of your investments in crypto to restrict threat.
  • Count on large ups and downs within the worth of your crypto belongings. From what we’ve seen, that’s regular in crypto land.


ROMA: And similar to that we’re executed with our fourth season of Stress Take a look at. This present was produced by Amy Chyan and Zahra Khozema. Audio engineering and modifying by Kyle Fulton. Our govt producer is Kiran Rana.

ROB: Thanks to Billy, Cait, Braden and Simon. Thanks to all our listeners who’ve rated and reviewed our present. When you haven’t already, give us a 5 star ranking and evaluate on Apple Podcasts. You’ll find Stress Take a look at at Apple Podcasts, Google Play, Spotify or your favorite podcast app. And discover us on the Globe and, the place we cowl all issues monetary.

ROMA: We hope you’ve loved speaking about private funds with us. I do know Rob and I actually take pleasure in making this present. Be at liberty to return and take heed to any episodes you’ve missed. Ship us an e-mail! We’ll be again with one other season quickly. Thanks for listening!

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Stress Test transcript: Cryptocurrencies are booming. But should you invest?

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