Dec 09, 2022

NGPF Podcast: High schooler Ella Gupta talks her book, Gen Z Money Sense

She appeared in the recent student documentary, Real World Class. She's written a book to help her peers better manage their money. She has run workshops for middle school girls. Yes, you won't want to miss this conversation that Yanely has with Ella Gupta! 

This week, Yanely interviews Ella Gupta, author of Gen Z Money Sense about her passion for personal finance, her advocacy initiatives, and her plans after high school. Her book serves as a guide to help anyone thrive in the new age of finance and explores a wide range of topics, including automation, taxes, robo-advisors, investing apps, as well as ESG investing. Ella also shares with us her generation’s unique relationship with money and how her peers are navigating their own financial lives. Enjoy! 



  • 0:00~1:25 Introduction
  • 1:25~3:15 Source of interest in personal finance
  • 3:15~4:43 Ensuring access to the book is free for educators
  • 4:43~7:22 Learning about personal finance growing up
  • 7:22~10:21 Starting a petition
  • 10:21~11:40 Opening a Custodial Roth IRA
  • 11:40~13:13 Parents’ experience with money
  • 13:13~19:33 Why personal finance matters for GenZ
  • 19:33~23:28 Structure of the book
  • 23:28~25:52 GenZ and ESG investing
  • 25:52~26:51 Favorite interview
  • 26:51~27:58 Emphasizing the key points
  • 27:58~30:04 Favorite chapter/topic
  • 30:04~33:34 Saving money through making smart money choices
  • 33:34~38:33 Chapters helpful for teachers
  • 38:33~41:25 Thinking about the future
  • 41:25~43:10 Helpful tips for GenZ
  • 43:10~48:00 Staying the course
  • 48:00~50:27 Creating curriculum materials
  • 50:27~51:35 Conclusion



  • “Ultimately, financial literacy comes down to the people behind the numbers. So it’s really about achieving your dreams and aspirations because money isn’t the end itself -- it’s the means to the end.”

About the Authors

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.

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.

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