Bankless Robinhood CEO: "Gen Z Is the Most Retirement-Savvy Generation Ever" | Vlad Tenev
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Mar 16, 2026 
Vlad Tenev, Robinhood co-founder and CEO, joins for a fast-paced look at where finance is headed. He talks about the great wealth transfer, why 24/7 markets and tokenization feel inevitable, and why Gen Z may be far more retirement-savvy than people think. They also dig into prediction markets, stablecoins, private market access, and AI-driven financial tools.
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Entertainment Finance Looks Bigger Than It Is
- Vlad Tenev rejects the idea that entertainment drives most modern finance; he thinks attention just overweights the loudest speculative behavior.
- He said 40% of Robinhood assets sit in passive vehicles, and even active traders often keep larger retirement or long-term portfolios separately.
Gen Z Is Opening Retirement Accounts Much Earlier
- Vlad Tenev claims Gen Z is the most retirement-savvy generation yet, opening retirement accounts years earlier than millennials.
- He cited an average opening age around 19 for Gen Z versus 25 for millennials, helped by easier access, tax advantages, and Robinhood's 3% match.
David Hoffman Personally Uses Robinhood Retirement
- David Hoffman said he personally maxed out Robinhood's retirement incentives as a Gold member, despite calling himself the risk taker on Bankless.
- Vlad Tenev used the moment to pitch Robinhood's improved rollover process to Ryan Sean Adams, whose IRA is still stuck at a former employer.