 Charles Schwab says baby boomers were 35 years old on average when they traded stocks for the first time. Gen Xers were 32. Two reasons Gen Z is starting younger, Ballantine says. There's these apps that make it easier. There's, you know, everyone has an iPhone now and can trade, you know, when they're on the subway or just walking around. And then there's also the move to no fees. So there's very little cost or friction.