DoorDash is America's fastest-growing brand, driven not by its expected young user base, but by senior citizens. This exposes a significant blind spot in the tech industry, which often overlooks the massive wealth and needs of the baby boomer demographic, representing a major untapped market opportunity.

Unlike previous tech waves that trickled down from large institutions, AI adoption is inverted. Individuals are the fastest adopters, followed by small businesses, with large corporations and governments lagging. This reverses the traditional power dynamic of technology access and creates new market opportunities.

Venture-backed private companies represent a massive, $5 trillion market cap, exceeding half the value of the 'Magnificent Seven' public tech stocks. This scale signifies that private markets are now a mature, institutional asset class, not a small corner of finance.

Robinhood's average customer is 35, while Schwab's is ~55. With a projected $80 trillion intergenerational wealth transfer starting, Robinhood is uniquely positioned to capture these assets as its younger, digitally-native user base inherits wealth from parents who use legacy brokerages. This creates a massive, decades-long growth runway.

In an unpredictable AI-driven job market, the most reliable path to financial security is not a specific skill but owning assets. This allows individuals to participate in the massive wealth generated by the technology itself, providing a hedge against inflation and potential job displacement, and avoiding a future of dependency on government assistance.

The narrative that vast tech fortunes are built on individual grit alone ignores the critical role of luck, timing, and systemic tailwinds. Recognizing fortune is key to humility and social responsibility, contrasting with the "obnoxious" belief of being purely self-made and entitled to the winnings.

Despite economic pressures, Millennials and Gen Z still desire traditional success milestones like homeownership. The key difference is that the path is no longer linear and the timeline has shifted. Financial planners must adapt their advice to this new, less predictable journey.

Most consumer fintech products—payments, personal loans, investing—are merely means to an end. The ultimate goal for most consumers is achieving generational wealth, which is fundamentally tied to homeownership. This reframes the entire fintech ecosystem as a funnel leading to the housing market.

The race to manage 40 million government-seeded 'Trump baby accounts' shows how a single policy decision can create a massive, winner-take-all market. This allows the government to act as a 'kingmaker,' anointing one or a few companies with a generational customer acquisition opportunity, similar to how the 401k launch benefited Fidelity and Vanguard.