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Generation Z is on the verge of choice. Not out of laziness – out of disillusionment. We inherited a roadmap that no longer leads anywhere, and for many of us, the American Dream is more like a bedtime story than a blueprint of life.
I know this because I almost got rid of it too. But I didn’t. Now, I’m building the tool to make sure that others don’t have to.
I am 23 years old and the first generation of Americans. My parents are here China In the late 90s, carrying only exceeded hope and oversized suitcases. They believe – perhaps more important than anything – hard work means opportunity. They don’t have much, but they have that belief. Through discipline and sacrifices I now consider unimaginable, they have come up with a life that gives me the freedom to dream bigger than ever before.
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That dream paved my way. I started investing in second grade using a escrow account and I begged my parents to open it up. I dropped out of school and built and sold my first company, a virtual reality startup.
Then, I found myself starting from the height of the pandemic Harvard. From my dormitory, I attended COVID investment booms – Memorial, cryptocurrency, superstar fund manager…I accepted everything. The ultimate collapse of mania inspired me to take action. I dropped out of school to build Dubbinga fintech platform that helps all Americans invest more clearly and confidently.
In many ways, my life proves that the American dream is possible. But I know I’m an outlier. And, unless we make bold changes (quick), our generation will no longer believe it is worth trying.
We recently worked with Harris Poll to ask Americans how they really feel about their financial future. What we find is soberness. 60% Generation Z no longer believes that traditional 9-5 jobs will enable them to reach their financial goals. Forty-three Percentage means side h is essential. Forty-one Percent thinks you have to be an entrepreneur to achieve this. There are some things that shocked me: only half Generation Z still believes that owning a home is a meaningful financial milestone.
For many of us, success is not a white fence. It pays off debts. Support our parents. There is room for breathing. The old roadmap – graduation, finding a job, buying a house – sounds like fiction in today’s economy.
My life proves that American dreams are still possible. But I know I’m an outlier. And, unless we make bold changes (quick), our generation will no longer believe it is worth trying.
This is not laziness. This is adaptation. Our costs rise, wage contractions and an educational system that never taught us how money works. We are the “financial generation” – 62% We seek financial advice from social media. Not because it is ideal – but because of everything we have. We did not grow up with financial advisors. So we get what we can get – tiktoks, reddit threads, group chat.
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And we not only watch passively. 60% Generation Z is already investing Outside of retirement account. 65% think this is our best shot in building wealth. But only 17% of Americans say they are actually confident in how the stock market works. We’re trying here. But we often guess.
And the tools we use? A mixed bag. Seventy-two Americans think fintech makes investments easier to access – and it has. But too many platforms make money from it. They push people to options trading, meme stocks, FOMO bets. That’s not an investment. That’s a gambling in a suit.
I built it Dubbing Flip the script. DUB does not invest blindly, but allows users to copy real investors’ transactions through actual investment strategies. No hype. No Tiktok influencers peddled the next billion dollar meme coins. Just transparency, long-term investment and real expertise. And it only takes $100 to start.
In fact, we did not reinvent the wheel. We are democratizing what the rich already have: gaining expertise. Rich people don’t invest – they hire high-end wealth managers and invest with elite hedge funds. We are providing this experience to all Americans. You no longer need wealth to build wealth. Now, anyone can outsource the hard work of investing in a single point of investment.
But it’s not just voiceover. This is a wake-up call to every company building in Gen Z.
We are tired of being monetized to the edge. Tired of the platform they profited from the chaos they caused. Tired of watching tools that can enhance our generation, but leverage our short-term gains.
That’s why I built voiceovers: Prove that mission-driven companies can create a brighter, more optimistic future – not only for shareholders, but for the entire generation. If even 1% of Americans have learned to invest better, we start to show that anyone from any background can participate in the largest wealth engine ever: the U.S. stock market.
Why should I gather other industry leaders? Because I’ve passed the alternative. My family comes to Detroit for $10,000 a year and lives in Section 8 housing – Today, I am building one of the fastest growing investment platforms New York City.
That’s the American dream. It shouldn’t be with me.
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But to keep it alive, we need to build it in different ways. We need to stop creating products that expand the worst of humanity and profit from the confusion of my generation. We need tools to make Gen Z believe again – in the system, itself and the future of the country.
We are redefining our dreams. I am leading here. But I can’t do it alone.
This is our way to unravel the dream of Z Gen Gen in 2025.
1. Build the right tools. Technology companies must stop profit-taking. Tools to build Gen Z local, but we push us towards long-term investments, not Yolo’s investments.
2. Teach financial literacy, such as life and death, because it is. Start from the moment our kids can read. Teaching is complicated. Professor ownership. Teach debt and credit. These are not elective courses. They are survival skills.
3. Make ownership a new norm. Make every American feel-not only hear- they are part of the nation’s wealth engine. When we have an innovation, we believe in its future.
If Generation Z stops believing in America’s dreams, then we will not only lose a generation. We have lost the future of this country. But I believe we don’t have any inability to fix.
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When Gen Z sees a real path, we accept it. We grind. We build it. We help each other. However, if this road is hidden or manipulated, we will stop walking altogether. We will build different ones.
The American Dream made me. Now, I’m working on making sure I’m not the last one.
