Are you scratching your head trying to understand Gen Z's approach to…life? You're not alone! This week, we’re exploring the fascinating and sometimes frustrating world of Gen Z finances, why traditional financial advice often misses the mark with this generation, and what actually resonates with them.

Every generation thinks they had it hard. And to be fair, most of them did. But Gen Z? They’re becoming adults in a world that looks nothing like the one we grew up in. Between AI disrupting entire industries, the attention economy turning regular people into millionaires overnight, and inflation making rent feel like a luxury item, it's no wonder their financial expectations (and anxieties) are sky-high.

In this episode, we break down:

• Why traditional financial advice isn’t built for Gen Z’s reality
• The real reason they think they need $600K a year to be successful
• Budgeting vs. Earning: We debate whether traditional budgeting advice is still relevant in today's economy, or if Gen Z's focus on increasing income is the smarter approach.
• How careers, income, and investing have changed forever
• The biggest mistakes Millennials and Boomers make when advising them
• How this approach is different from hustle culture

And most importantly, we share what actually works: learning how to earn, invest, and live in a world where stability is no longer the default setting.

Whether you’re Gen Z trying to figure it all out, or just someone trying to understand them better, this episode is for you.

Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes

If you would like to learn more about investing, check out our newest class, Making Money Grow

This week, we’re talking about impact investing, which if we’re being honest, is a phrase we used to think was reserved for people who call their parents by their first names. Turns out, it’s one of the closest things we have to financial resistance (with receipts!).

This episode drops on the last Monday of Black History Month 2025, a month that, for once, felt less performative. Not because there wasn’t Black history being made, there was, just like there is every day of the year…but because the usual corporate spectacle was dialed down. The hashtags were quieter, the campaigns were fewer, and the message was clear.

But Black history isn’t something we just look back on, it’s something we build. And for more people than ever, that means thinking differently about where our dollars go, not just as consumers but as investors.

Here’s what we get into:

• Why politicians keep telling us to “mobilize” but rarely mention money
• The Target vs. Costco stock story that shows how companies respond when people start moving their money
• The difference between boycotting as a consumer and influencing as a shareholder
• How everyday investors now make up 25% of stock trading and why that matters
• Why ignoring your investments isn’t neutral and what it means to be intentional with your financial power

And because knowledge without action doesn’t change much, we’re also talking about real steps you can take. Kiersten shares her experience with Invest for Better Circles, a program that changed how she thinks about money and impact (and made her rethink her own investments in the process). Plus, if you’re a Black woman looking for a space to learn about this in community, there’s a new cohort designed just for us. Link below.

TAKE ACTION:

📌 Join the waitlist for the Shifting Wealth, Shaping Futures Circles for Black women
📌 Not a Black woman? No problem. Regular Invest for Better Circles are opening soon too

Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes

If you would like to learn more about investing, check out our newest class, Making Money Grow

Is the magic really gone, or are we just over it? This week's episode is a Quick Dip, where we're side-eyeing some old-school markers of success. We thought about calling this the "end of an era" edition but it might be too soon...you tell us!

Think childhood trips to Disney, that diamond ring you're 'supposed' to want, and even that climb up the corporate ladder. We're wondering if these traditions still mean what they used to in a world that's changing so fast. The data suggests something is changing, but this episode is less about having all the answers and more about starting some real convos about what matters to us.

First, we reference a recent Wall St. Journal article called “Even Disney is worried about the high cost of a Disney Vacation,” and talk about how rising costs are impacting families and challenging the park's cultural dominance.

Then, we tackle the diamond industry and the growing popularity of lab-grown alternatives that promise the same quality at a fraction of the price. Finally, we dissect the current state of the corporate world, and talk about the current record high CEO turnover rates and what they signal about the evolving relationship between workers and employers. This episode also features leaked audio where JPMorgan's CEO, Jamie Dimon, uses explicit language when speaking to his employees.

Key Takeaways:

• Manufactured Magic is Expensive: "Tradition" often comes with a hefty price tag, and it's time to question if the returns are worth the investment
• Ethical Consumption Matters: From lab-grown diamonds to supporting companies with values that align with our own, we have more power than ever to vote with our dollars
• Authenticity is the New Luxury: The pursuit of genuine experiences and personal meaning is replacing the need to acquire status symbols

Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes

If you would like to learn more about investing, check out our newest class, Making Money Grow