Robinhood founder Vlad Tenev has highlighted Gen Z's proactive approach to investing, revealing that many start planning for retirement at just 19. In a recent interview, Tenev discussed the impending $70 trillion wealth transfer from older generations to Gen X, Millennials, and Gen Z, emphasizing Robinhood's strategy to capitalize on this shift by offering innovative financial products and services. Tenev also outlined his vision for the future of finance, predicting the rise of 24/7 markets and the tokenization of assets. Robinhood has already launched tokenized U.S. stocks in the EU and plans to expand these offerings. Additionally, Tenev sees AI playing a crucial role in managing financial portfolios, potentially transforming how individuals interact with their investments. Addressing criticisms of "financial entertainment," Tenev argued that Gen Z is more financially savvy than perceived, with significant investments in passive instruments like ETFs. Robinhood's focus remains on democratizing finance through technology, including the development of its Layer 2 blockchain, Robinhood Chain, to integrate centralized and decentralized finance solutions.