Gen Z is about to report. Not from laziness – from disillusion. We have inherited a route map that does not lead anywhere, and for many of us the American Dream feels more like a story about going to sleep than as a blueprint for life.
I know this because I almost walked away from it. But I didn’t. And now I build the tools to ensure that others don’t have to.
I am 23 years old, an American of the first generation. My parents came from China here in the late 90s and wore little more than hope and an oversized suitcase. They believed – perhaps more than whatever – that hard work meant the chance. They didn’t have much, but they had that faith. And by discipline and what I now recognize as unimaginable sacrifice, they cut out a life that gave me the freedom to dream bigger than they could ever.
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That dream led me to pave my own way. I started investing in the 2nd grade with a storage account, I begged my parents to open. I stopped high school to build and sell my first company, a virtual reality startup.
I then noticed that I started Harvard at the height of the pandemic. From my dormitory I participated in the Covid Investing Boom -Memestocks, crypto, super-star fund managers … I embraced it all. And the final collapse of the mania inspired me to take action. I stopped building dubbleA fintech platform to help all Americans invest with more clarity and trust.
In many ways I am living proof that the American dream is still possible. But I know I am a bucket. And unless we make daring changes – quickly – my generation will stop believing that it is even worth trying.
We recently worked with Harris Poll to ask Americans how they really feel about their financial future. What we have found is sobering. Sixty percent Van Gen Z no longer believes that a traditional 9-to-5 job will bring them to their financial goals. Forty -three Percentage says that side recordings are essential. Forty -one Percentage believes that you should be an entrepreneur to make it. And something that touches me hard: just about half Van Gen Z still sees a house possessing as a meaningful financial milestone.
For many of us, success is not a white cocket gate. It pays debts. Support our parents. Have breathing space. The old route map – graduated, getting a job, buying a house – sounds like fiction in the current economy.
I am living proof that the American dream is still possible. But I know I am a bucket. And unless we make daring changes – quickly – my generation will stop believing that it is even worth trying.
This is not a laziness. It is adjustment. We increase costs, shrinking wages and an education system that never taught us how money works. We are the “Fintok Generation” – 62% From us turn to social media for financial advice. Not because it’s ideal – but because it’s all we have. We did not grow up with financial advisers. So we take what we can get – Tiktoks, Reddit -Threads, Group Chats.
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And we don’t just look passively. Sixty percent Van Gen Z is already investing Out of pension accounts. Sixty -five percent believe that this is our best chance of building wealth. But only 17% of Americans say that they are actually confident how the stock market works. We are trying here. But we often guess.
And the tools we use? A mixed bag. Seventy -two Percentage of the Americans believes that Fintech has made investment more accessible – and that’s it. But too many of those platforms benefit from confusion. They push people to options, meme shares, FOMO bets. That is not investing. That is gambling in a suit.
I built dubble To turn that script. Instead of blindly investing, DUB users lets the transactions of real investors copy with real investment strategies. No hype. No tap -influencers who spend the next Meme currency of billion dollars. Simply transparency, long -term investment and real expertise. And it only takes $ 100 to start.
We cannot actually be reinvented the wheel. We democratize what the rich already have: access to expertise. Rich people do not make their investments themselves – they hire fancy asset managers and invest with elite hedge funds. We make that experience available to all Americans. You no longer need wealth to build wealth. Everyone can now outsource the hard work of investing in a single crane.
But this is not just about DUB. It is a wake-up call for every company building for Gen Z.
We are tired of being got in the edge. Tired of platforms that benefit from the confusion they create. Tired of looking at tools that can enable our generation instead to exploit us for the short -term profit.
That is why I have built DUB: to prove that mission-driven companies can create a brighter, more optimistic future, not only for shareholders, but for entire generations. If even 1% of Americans learn to invest better, we start to show that everyone can participate in the largest power motor that has ever been created from any background: the US stock market.
Why do I call out other market leaders? Because I lived the alternative. My family came to Detroit by $ 10,000 a year and lived in section 8 housing and today I am building one of the fastest growing investment platforms in New York City.
That is the American dream. And it should not stop with me.
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But to keep it alive, we have to build differently. We must stop creating products that strengthen the worst of human nature and promote the confusion of my generation. We need tools that give Gen Z a reason to believe again – in the system, in itself and in the future of this country.
We redefine the dream. I am here to be at the forefront. But I can’t do it alone.
Here is how we unlock the American dream for Gen Z in 2025.
1. Build the right tools. Technology companies must stop taking advantage of risky behavior. Build tools that feel native to Gen Z, but push us for long-term investments, not on Yolo bets.
2. Learn financial literacy such as life or death – because it is. Start from the moment our children can read. Learn compounding. Leather property. Learn debts and credit. These are not optional courses. They are survival skills.
3. Make ownership of the new standard. Let every American feeling – not just hearing – that they are part of the power motor of this country. When we have a piece of innovation, we believe in the future.
If Gen Z stops believing in the American dream, we don’t just lose a generation. We lose the future of this country. But I believe we are not irreparable.
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When Gen sees a real path – we take it. We grind. We build. We help each other. But if the path remains hidden or rigged, we stop running out completely. And instead we will build another.
The American dream made me. Now I work to ensure that I am not the last.
