Z
Zillow Group, Inc. Class C Capital Stock
stock NASDAQ

So like coins that are have toning like this, some don't, it's all about the finding the right buyer. If you want it look better use E Z est for quick dip.

SGOV isn't an investment in the same way that buying VT or BND would be. It's a cash equivalent. When you think about emergency funds, it's one of the few places where mental accounting/buckets is acceptable. When you create your e-fund, you do a calculation for X months of your expenses and that gives you a number $Z. You save up $Z in cash equivalents, and then anything else beyond that gets invested in your portfolio.
When you think about your portfolio, you define your equity to bond ratio and then your US/Intl ratio.
So, imagine you have a $10K e-fund target and want a 20% bonds with 50/50 US/Intl and have $20K total. You'd allocate $10K into cash equivalents like SGOV, $2K in bonds, $4K in US, and $4K in Intl.

Gen Z and alpha still have hope. Once they get smacked in the face with real world reality, we can pass the torch. 

Boomers die, gen Z get rich out of the blue. It will be madness 💸💸💸

Millenials, reminder to update your resumes just in case
These unemployed Gen Z kids are coming for our jobs
😡

Being Gen Z is great. Born too late to explore the seas, born too early to explore space, born just in time for the no hire no fire economy!

Just summing up the latest on high bandwidth memory for our Gen Z investors

We've literally halved the wealth held by the middle and lower class each generation since boomers. Millenials hold about 10% and Z is expected to have no more than 5%.

The year that buying power tips toward Gen Z it will be big news. This isn’t the year. I think it was 2019-2020 where millennials became the top spenders in the market. I don’t remember what this excludes I just remember doing a huge campaign for one of the top 5 oil and gas companies that was all about millennial buying power reaching a precipice, and I suspect it will be another 10 before z has spending money

Glad I took profits. Still holding my basis cuz well, Gen Z needs a hand

yeah something like that. I used to be a banker, I know Fair Isaac is a tool for companies not consumers (and is loaded with errors they give no fccks about correcting) and while my number is high, my three reporting agency accounts are locked and I have no need to worry about credit utilization ratio.
I have a couple cc's (including fidelity's) that I just run money through for points and money back and pay to a zero balance.
I'm not running out buying high dollar items, on credit cards, ever.
And (which I advise for everyone) I have pet insurance and emergency funds. Anyone who thinks CCs are for emergencies is nutz.

So no, I have emergency funds and jumbos and things that are set aside for saving for urgent needs or even fun, but I am not stupid enough to let free money slip away and if ccs are handing it out, I am letting them add it to my Z account on Fidelity.

Plus a cc is a safer way to transact. The rules in fraud are similar between debit and credit cards, but the fact that it's the cc's money if fraud happens rather than my money in my bank, is a lot easier to handle. Especially in that window immediately after fraud when people are waiting for the money to be temporarily returned while they research the situation. Again, not my personal experience, but with clients.
jmho, ymmv

Best time to plant a tree is 30 years ago. Second best time is today
You're doing great, fam, over half of Gen Z and Millennials have no significant savings, let alone investments.

A few days ago, Coinbase dropped $16M on a Super Bowl ad, and the internet still can't decide if it was genius or cringe.
Their play was 60 seconds of Backstreet Boys karaoke, no QR code and no CTA, only "Crypto. For Everybody." at the end.
The reaction? A room full of people singing along, then erupting in boos when the Coinbase logo appeared (at least from a viral TikTok video).
But here's what I think people are missing:
Crypto is still polarizing because most people don't understand what it actually does for them. The "utility" conversation hasn't been won yet. For a lot of people, their only exposure to crypto is headlines about scams, crashes, or high-level marketing.
Yet every cycle, more people come in:
* 30% of American adults now own crypto, up from 27% in 2024 (Security dotorg)
* 562 million global users, up 33% from 2023 (Triple-A)
* Asian-Pacific grew 69% year over year in on-chain activity (Chainalysis 2025 Global Adoption Index)
* Half of American Gen Z and Millennials have owned crypto at some point (Gemini 2025 State of Crypto)
Why? Because every cycle, the tech gets easier. On-ramps improve. Use cases get more tangible.
Think about 2022. FTX, Crypto dot com, and half a dozen other companies ran Super Bowl ads. Most of them are gone now. FTX collapsed and executives went to prison.
2026? Coinbase is the only one left standing.
Whether you loved the ad or hated it, that's the real story. The survivors are the ones who kept building. Same pattern as the dot com bubble. Amazon and Google made it through. Pets dot com didn't.
Curious what this sub thinks. Was the ad a miss, or does it matter less than the fact that they're still here and still swinging?

Hit CTRL + Z repeatedly 😜

# Today is Tuesday, the 10th of February
## Upcoming events for Tuesday, February 10th
- Stock splits:
- ATPC @ **1:50**
- FGL @ **1:100**
- HCTI @ **1:60**
- RGBPP @ **2:1**
- ANY @ **1:10**
- Expected earnings:
ACRE, ADC, AEIS, AIG, AII, AIZ, AKR, ALAB, ALSN, ANGI, ARI, ARMK, ARVN, AXTA, AZN, BHF, BIOX, BL, BLKB, BP, BRCB, CAN, CCSI, CPBI, CRSP, CTS, CVS, DD, DDOG, DEI, DGX, DIOD, DUK, ECL, ELMD, ENTG, EPM, EW, EXEL, F, FIS, FISV, FRSH, FSP, GCMG, GILD, GILT, GNSS, GXO, HAS, HIHO, HIVE, HIW, HNGE, HOG, HOOD, INCY, INMD, IRMD, IVT, JHX, JMIA, KFFB, KO, KVYO, LEE, LEU, LSCC, LUXE, LVWR, LYFT, MAR, MAS, MAT, MBC, MIR, MNTN, NET, NMIH, NSP, NTST, OGI, OI, OMC, OSCR, PAMT, PEGA, PETS, PGC, PLUR, RACE, RPD, RRR, SAIA, SPGI, SPOT, SQNS, SSII, STAA, SUZ, TDC, TELO, TIMB, TRMB, TYGO, UFCS, UPST, UPXI, VREX, VSTS, WCC, WELL, WPC, WSBF, XIFR, XYL, Z, ZBH, ZG
- Ex-div:
AEP, ARCB, ASML, BWFG, CIVB, FCCO, FIBK, GABC, JVA, ORRF
- Economic events and announcements:
- 3-Month Bill Auction (actual: 3.600%, previous: 3.600%)
- 6-Month Bill Auction (actual: 3.500%, previous: 3.525%)
- FOMC Member Bostic Speaks
- Fed Waller Speaks
- NY Fed 1-Year Consumer Inflation Expectations (actual: 3.1%, previous: 3.4%)
- OPEC Crude Oil Production Algeria (Barrel) (actual: 0.96M, previous: 0.96M)
- OPEC Crude Oil Production Congo (Barrel) (actual: 0.25M, previous: 0.25M)
- OPEC Crude Oil Production Gabon (Barrel) (actual: 0.23M, previous: 0.23M)
- OPEC Crude Oil Production Kuwait (Barrel) (actual: 2.55M, previous: 2.55M)
- OPEC Crude Oil Production Libya (Barrel) (actual: 1.25M, previous: 1.30M)
- OPEC Crude Oil Production Nigeria (Barrel) (actual: 1.47M, previous: 1.53M)
- OPEC Crude oil Production Iran (Barrel) (actual: 3.20M, previous: 3.24M)
- OPEC Crude oil Production Iraq (Barrel) (actual: 4.10M, previous: 4.05M)
- OPEC Crude oil Production UAE (Barrel) (actual: 3.37M, previous: 3.38M)
## Upcoming events for Wednesday, February 11th
- Expected earnings:
ADGM, AEE, AIRT, ALB, ALKS, ALMU, AM, AMCX, AMX, APP, AR, ARR, ARX, ASND, ATEX, AUR, AVTR, BBOT, BDL, BLFY, BWA, BXMT, CAI, CFLT, CGNX, CHEF, CIM, CLBT, CMRE, CPA, CPHI, CRK, CRTO, CRWS, CSCO, CUB, CW, CXT, CXW, DAO, DAR, DDI, EPRT, EQIX, ESP, FAF, FBRT, FCPT, FLNG, FMAO, FMST, FSLY, GFL, GFS, GLIBA, GLIBK, GNRC, GPMT, GROW, GTY, HCSG, HI, HLT, HTFL, HUBS, HUM, IFF, IFS, INM, INSP, IRT, KAI, KHC, KRNT, LAD, LEG, LINK, LITS, LPTH, MCD, MFC, MH, MIAX, MLM, MLYS, MSA, MSI, NBIX, NBR, NE, NEU, NI, NMTC, NNN, NP, NTES, NWE, OM, OPRT, OPXS, OTLY, PAG, PAYC, PCSC, PDM, PDS, PLMR, PODC, PPC, PRCH, PRI, PSN, PURR, PX, PYPD, PZG, QDEL, QMCO, QS, QTWO, R, RDCM, RDWR, RDZN, ROL, RPRX, RWT, RYN, RZLT, SAFE, SBXD, SCI, SFL, SHOP, SITE, SKM, SLF, SN, SNOA, SOLS, SPMC, STAG, SW, TBN, TEX, THC, TMHC, TMUS, TR, TSE, TSEM, TTD, TTE, TYL, U, UE, VCIC, VECO, VERU, VERX, VKTX, VNDA, VPG, VRT, WAB, WCN, WFG, WMB, WTS, YTRA, ZBIO, ZTEK
- Ex-div:
AROW, BCBP, JMSB, KINS, NBN, PCAR, SIMO, SIRI, UVSP, WINA, WLFC, WNEB, WTBA
- Economic events and announcements:
- 3-Year Note Auction (previous: 3.609%)
- ADP Employment Change Weekly (previous: 7.75K)
- API Weekly Crude Oil Stock (previous: -11.100M)
- Atlanta Fed GDPNow (consensus: 4.2%, previous: 4.2%)
- Business Inventories (consensus: 0.2%, previous: 0.3%)
- CB Employment Trends Index (previous: 104.27)
- Core Retail Sales (consensus: 0.3%, previous: 0.5%)
- EIA Short-Term Energy Outlook
- Employment Benefits (previous: 0.80%)
- Employment Cost Index (consensus: 0.8%, previous: 0.8%)
- Employment Wages (previous: 0.80%)
- Export Price Index (consensus: 0.1%, previous: 0.5%)
- Export Price Index (previous: 3.3%)
- Fed Logan Speaks
- Import Price Index (consensus: 0.1%, previous: 0.4%)
- Import Price Index (consensus: 0.2%, previous: 0.1%)
- NFIB Small Business Optimism (consensus: 99.8, previous: 99.5)
- Redbook (previous: 6.7%)
- Retail Control (consensus: 0.4%, previous: 0.4%)
- Retail Inventories Ex Auto (previous: 0.3%)
- Retail Sales (consensus: 0.4%, previous: 0.6%)
- Retail Sales (previous: 3.33%)
- Retail Sales Ex Gas/Autos (previous: 0.4%)
## Upcoming events for Thursday, February 12th
- Stock splits:
- KXIAY @ **10:1**
- Expected earnings:
ABNB, AEM, AEMD, AENT, AEP, AGIO, AHL, AIP, AL, ALH, ALNY, AMAT, AMG, AMIX, AMWL, ANET, ANGX, AORT, ASC, ATOM, AVNT, BAP, BAX, BCS, BDC, BENF, BFAM, BGC, BIO, BIO.B, BIRK, BLIN, BLX, BN, BNBX, BNT, BRKR, BROS, BTDR, BTI, BUD, CAE, CALY, CART, CBIO, CBRE, CHKP, CMRC, CNCK, CNDT, CNR, CNVS, COHU, COIN, CPAC, CPS, CROX, CRSR, CSAI, CSPI, CTRE, CV, CVRX, DBD, DKNG, DNOW, DRUG, DTSS, DXCM, ECX, EEFT, ELME, ELVA, ES, ETR, EXC, EXPE, FBIN, FEAM, FGBI, FLO, FLUX, FORR, FROG, FRT, FTS, FWDI, GAU, GEL, GEO, GGR, GRCE, GREE, GTES, GVA, H, HASI, HCC, HIMX, HMC, HR, HTGC, HWM, IDYA, IMPP, INBS, INV, IPGP, IPW, IR, IRDM, IRM, ISSC, ITIC, JCAP, JOB, KELYA, KELYB, KIDZ, KIM, KNSL, KPTI, LECO, LGCY, LIMN, LIVE, LNC, LVO, LXP, MARPS, MBCN, MERC, MHK, MITQ, MLCI, MLCO, MODD, MOFG, MORN, MSC, MTRN, MVBF, NBIS, NEXM, NIQ, NMAX, NMM, NNE, NOEM, NTWK, NUS, NVMI, OGN, ONIT, OPTU, PACB, PBF, PBFS, PCG, PCOR, PDFS, PEW, PHIN, PINS, PMNT, POCI, PSA, PTN, QSR, RAIN, RARE, RBNE, RCEL, RELX, RIVN, ROKU, RPT, RSSS, RYAN, SBRA, SEB, SLVM, SOC, SPSC, SRTS, STNG, STUB, TCX, TNET, TOST, TRIP, TRN, TRT, TRU, TRUP, TSLX, TTRX, TU, TWLO, TXG, UL, USFD, UTZ, VNT, VRAR, VRTX, VTGN, WAT, WST, WYFI, WYNN, YCBD, YELP, ZBRA, ZTS
- Ex-div:
FMBH, HNVR, LARK, MGYR, NFBK, PGC, PROV, STBA, TBLD, TTEK, ZION
- Economic events and announcements:
- 10-Year Note Auction (previous: 4.173%)
- Average Hourly Earnings (YoY) (consensus: 3.6%, previous: 3.8%)
- Average Hourly Earnings (consensus: 0.3%, previous: 0.3%)
- Average Weekly Hours (consensus: 34.2, previous: 34.2)
- Crude Oil Imports (previous: 1.101M)
- Crude Oil Inventories (previous: -3.455M)
- Cushing Crude Oil Inventories (previous: -0.743M)
- Distillate Fuel Production (previous: -0.005M)
- EIA Refinery Crude Runs (previous: -0.180M)
- EIA Weekly Distillates Stocks (previous: -5.553M)
- EIA Weekly Refinery Utilization Rates (previous: -0.4%)
- FOMC Member Bowman Speaks
- Fed Logan Speaks
- Fed Schmid Speaks
- Federal Budget Balance (consensus: -92.3B, previous: -145.0B)
- Gasoline Inventories (previous: 0.685M)
- Gasoline Production (previous: -0.565M)
- Government Payrolls (previous: 13.0K)
- Heating Oil Stockpiles (previous: -0.160M)
- MBA 30-Year Mortgage Rate (previous: 6.21%)
- MBA Mortgage Applications (previous: -8.9%)
- MBA Purchase Index (previous: 165.4)
- Manufacturing Payrolls (consensus: -5K, previous: -8K)
- Mortgage Market Index (previous: 330.8)
- Mortgage Refinance Index (previous: 1,269.7)
- Nonfarm Payrolls (consensus: 66K, previous: 50K)
- Participation Rate (previous: 62.4%)
- Payrolls Benchmark (previous: -589.00)
- Payrolls Benchmark, n.s.a. (previous: -911.00K)
- Private Nonfarm Payrolls (consensus: 70K, previous: 37K)
- Thomson Reuters IPSOS PCSI (previous: 53.81)
- U6 Unemployment Rate (previous: 8.4%)
- Unemployment Rate (consensus: 4.4%, previous: 4.4%)
## Upcoming events for Friday, February 13th
- Expected earnings:
AAP, AERT, AIHS, AIRO, ALBT, ANEB, APVO, ARAI, ASTC, ATMU, ATXG, BNTC, BRN, BSBK, BTOC, CBL, CCJ, CEPO, CETX, CIGI, CLPR, CMDB, CTOR, CTXR, CVM, DCH, DFSC, EDSA, ENB, ESNT, FGNX, FKWL, FORA, GIG, GP, IGC, INTG, IQST, IXHL, LSH, MGA, MMI, MRNA, MSN, NAII, NEUP, NNVC, NTHI, NUTR, NWG, OTLK, PPCB, RR, RVYL, SAFX, SBLX, SCLX, SEV, SGRP, SIF, SONM, SUUN, SXT, TGL, THS, TMQ, TRNR, TRP, USBC, UUU, WEN, WHG, XAIR, XXI, ZONE
- Ex-div:
AIRTP, AMGN, ARTNA, BFST, BHRB, BPOPM, BRKRP, BSET, BUSEP, BWBBP, CBFV, CCD, CCNEP, CG, CGO, CHI, CHW, CHY, CMCO, CNOB, CNOBP, CPZ, CSQ, CSWC, CTAS, EBMT, EML, ESQ, FBIZ, FCBC, FDBC, FHB, FMNB, FRST, GCBC, GEN, GWRS, HBANM, HWKN, IBOC, JRSH, MSBI, NXST, OCCI, OCCIM, OCCIN, OCCIO, OTTR, OXLC, OXLCN, OXLCO, OXLCP, OXSQ, PCB, REYN, SBFG, SBRA, SBUX, SGC, SIGI, SMBC, STRC, TECH, TER, TRIN, TSBK, VABK, WAFD, WSFS
- Economic events and announcements:
- 30-Year Bond Auction (previous: 4.825%)
- 4-Week Bill Auction (previous: 3.630%)
- 8-Week Bill Auction (previous: 3.630%)
- Continuing Jobless Claims (previous: 1,844K)
- Existing Home Sales (consensus: 4.22M, previous: 4.35M)
- Existing Home Sales (previous: 5.1%)
- Fed's Balance Sheet (previous: 6,606B)
- IEA Monthly Report
- Initial Jobless Claims (consensus: 222K, previous: 231K)
- Jobless Claims 4-Week Avg. (previous: 212.25K)
- Natural Gas Storage (previous: -360B)
- Reserve Balances with Federal Reserve Banks (previous: 2.937T)
^^^^2026-02-10

Congrats on getting started at 18, that's awesome timing. I went down a bit of a rabbit hole on this when I was comparing different platforms last year and there's honestly a ton of options depending on what you're prioritizing. For the Roth IRA, you can't really go wrong with the big names like Fidelity or Vanguard.
They've got zero account minimums now and pretty much every fund you'd want. Interface can feel a bit clunky if you're used to modern apps but they're rock solid and have been around forever. On the taxable side, if you're really new to picking stocks and want something more beginner-friendly, I came across Alinea Invest recently and it looks like it could work well for someone just starting out.
It's designed specifically for beginners and Gen Z investors, with a chat interface that explains stuff as you go instead of throwing a bunch of charts and jargon at you. You can start small and it basically helps automate picks while teaching you why it's doing what it's doing, which seemed pretty useful for getting over that initial learning curve without feeling overwhelmed. I also looked at Robinhood which obviously has the simple interface going for it, but they've had some controversey over the years.
Webull is another one that gets mentioned alot for active traders but might be overkill if you're just building a long-term portfolio. Main thing is just to start somewhere and not let analysis paralysis stop you from getting that first dollar invested. The difference between platforms matters way less than the difference between investing and not investing at your age.

What’s the thought process behind investing in these companies? You should be picking stocks based on research you’ve undertaken so in hindsight you should be telling us these stocks are a good pick because of X, Y & Z. I think you’ve just picked stocks based on their name rather than doing research. Always do research and if you haven’t got the time or effort to do that then invest in ETF’s instead would be my advice. It’s hard to beat the market so ETF’s are your best bet based on the assumption you’ve done no research when it comes to individual stock picking

Z lord!

This is part of it but you don't even have to get all doom and gloom to see why BTC for trade makes sense. If Country X wants to trade with Country Y the only option is the EuroDollar. Trading in BTC completely eliminates that as you can trade in BTC and convert to your local currency immediately without a middleman. Today the EuroDollar handles that, you go from X currency, to Y, then to Z, then do Euro or Dollar, the other trading partner does the same. What BTC changes for trade is immense.

MrBeast buys Gen Z bank just weeks after BitMine's $200M bet