Starting with $10K? These are the ETFs I’d recommend. VTI gives you the entire U.S. market. VXUS adds international exposure. SCHD brings reliable dividends. Together, they offer a smart, long-term investment plan Gen Z can actually stick to. I'm Greg—former financial advisor and dad to three Gen Zers. After 21 years in finance, I realized most money problems aren’t about knowledge—they’re about behavior. I started Gen Z Money Dad to help this generation build real-world financial confidence—without shame, fear, or BS. Subscribe if you’re ready to stop guessing and start growing your money.