Cedric, 23, lives with his parents in Brampton. After being laid off in the pandemic, he now makes $20 an hour as a line cook. While he has $5,000 in cryptocurrency, he wants to start focusing on his credit card debt and is considering going back to school to change career paths, and eventually well as move out of his parents house. How can he start? We speak with financial adviser Jason Heath for recommendations.

All of our participants have been granted anonymity, and so we’ll be using voice actors for their quotes.