Welcome, everyone, to another episode of The Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing expectations. I’m Tearsheet’s editor in chief, Zack Miller. Actually, I’m your co-host today – joining me is Rabab Ahsan, Tearsheet reporter. Rabab has been doing a bang-up job recently covering the intersection of Gen Z and financial services, from her reporting to her contributions to our 2 seminal reports on the subject which you can find at steezlife.co. One place Gen Z diverges from generations that came before it is in investing. For example, research shows that younger folks invest for completely different reasons than previous generations. It’s not about financial status for Gen Z – it’s about a better quality of life. Values also play a big role in investment decisions, as Gen Z tends to put its money where their values are. Actually, there are a whole bunch of important topics here that require some understanding if you want to do better providing investment services and advice to Gen Z. To do that, Rabab and I are joined by Dr. Julie O’Brien, head of behavioral science, and Rob Haworth, senior investment strategist at US Bank. We dig deeper, discussing recent research Dr. O’Brien authored that looks to better understand the investment needs and behaviors of Gen Z. It’s an interesting conversation – glad you’re joining us. And, speaking of joining us, Tearsheet is hosting our first symposium on Gen Z and financial services. It’s March 7 in NYC at Mastercard’s Tech Hub. It’s an intimate group of financial services professionals really exploring what it means to build lovable financial products and services for Gen Z. You can find more information about it on our website – just click on events and apply for a ticket. Here’s our conversation with US Bank’s Dr. Julie O’Brien and Rob Haworth.