Surfing legend Garrett McNamara once said, “It really is never too late, it really is never too early to figure out your goals and dreams and what you love.” And Joe's guests this episode didn’t wait long to accomplish their goals, they built an ETF (exchange-traded fund) while in high school. Julian Feder and Eitan Prins-Trachtenberg share why ZGEN invests in companies that were born after the internet and whose use, values, disruptiveness, and innovativeness align with Gen Z.