Episode 12: Is All Debt Bad?

Is all debt bad? Not exactly, and Rod would tell you it largely depends on the type. In this episode, we break down the basics of debt and discuss an outline for what a manageable amount of debt actually looks like for someone in their 20s or 30s.

What is The Financial Freshman?

Figuring out your finances doesn't have to be overwhelming or boring—instead, it can be rewarding in more ways than one. Each episode, join Rod McRae, a seasoned managing partner at McRae Capital Management, and Chloe Blanchard, a curious, candid young adult with a million money questions, as they break down the topics every young adult needs to know but nobody ever explained.

Whether you’re figuring out where to start with retirement planning, wondering if investing is only for people in finance, or stressing about how to talk about money with your partner, Chloe asks the questions you’re probably too embarrassed to ask, and Rod answers with honest, practical advice. No jargon. No sales pitches. Just real conversations about building wealth, planning for the future, and making smart choices—even if you don’t have six figures in the bank (yet).

Perfect for recent grads, first-jobbers, or anyone who wants to get their money right from day one, The Financial Freshman is your go-to guide for taking control of your financial future—and feeling confident in doing so.

DISCLAIMER: This podcast is for informational and educational purposes only and does not constitute an offer of investment management or investment advisory services by McRae Capital Management Inc. (“McRae”) and may not be relied upon in connection with any offer or sale of securities or other assets. Nothing on the podcast is intended to be, and you should not consider anything on the podcast to be, investment, accounting, tax, or legal advice. The contents of the podcast may contain forward-looking statements that are based on management’s beliefs, assumptions, current expectations, estimates, and projections about the financial industry, the economy, McRae itself or its investments. Forward-looking statements are not guarantees of the underlying expected actions or future performance and future results may differ significantly from those anticipated by the forward-looking statements. Therefore, actual results and outcomes may materially differ from what may be expressed or forecasted in such forward-looking statements. All expressions of opinions are subject to change without notice. Inherent in any investment is the risk of loss. Further, past performance is not indicative of future results.