Jul 02, 2021

NGPF Podcast: Author and Gen Zer Ella Gupta on money lessons for her generation

Continuing on the theme of incredible young people channeling their passion for personal finance, this week on the NGPF podcast you will hear from high schooler Ella Gupta. We discussed her book, Gen Z Money $ense, which is best described as "a framework for anyone looking to build wealth and make their dreams a reality through investing and taking charge of their financial future." Ella shares her motivation for writing the book and why she focused so much attention in the book on investing. Her message throughout the book is one of empowerment and her  thoughts on what to look for in investing apps (top of mind now for Gen Zers) should be required listening for all. Enjoy! 


  • 0:00~0:52 Introduction
  • 0:52~1:29 The school Ella attends
  • 1:29~3:44 Early money lessons
  • 3:44~4:33 Useful resources for young adults
  • 4:33~7:00 Motivation to write the book
  • 7:00~8:11 Deciding what topics to write about
  • 8:11~11:25 Explaining the importance of investing early
  • 11:25~13:05 Favorite chapters of the book
  • 13:05~14:00 The increased access for people to invest
  • 14:00~14:29 A word from NGPF
  • 14:29~ 15:58 What teens should look for in an investing app
  • 15:58~16:47 Payment for order-flow
  • 16:47~17:45 The personal factor of personal finance
  • 17:45~20:14 Importance of behavioral finance
  • 20:14~21:21 Experience interviewing experts
  • 21:21~22:15 Empowering young women
  • 22:15~24:13 Incorporating analogies
  • 24:13~25:05 Feedback from readers
  • 25:05~26:02 Parting words
  • 26:02~27:24 Conclusion



“If I had to distill my motivation for writing this book into one word it’ll be: empowerment. I want to empower my generation, Gen Z, to be the most financially successful generation ever.”


Enjoyed this podcast? There are 300 NGPF podcasts available here. 


About the Authors

Ren Makino

Ren started interning at NGPF in 2014, and worked part-time through high school and college. With his knowledge growing alongside NGPF, he joined the team to work full-time after graduating from college in 2020. He is also the producer of the NGPF podcast. During his free time, he likes to try out coffees from different roasters across the world.

Tim Ranzetta

Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.

Mail Icon

Subscribe to the blog

Join the more than 11,000 teachers who get the NGPF daily blog delivered to their inbox: