Unless you’re a bn’aire, stop investing like one. Turns out investment firms aren’t doing the middle class any favors by advising them to follow in the investment strategy footsteps of those with wealth to spare.

The argument: If wealthy individuals are able to grow even wealthier through investments, then giving lower income people access to the same options will help them maximize their profit, right? Wrong. Why?

Losing an investment just isn’t as much of a risk for the wealthy. A bn’aire can lose big on an investment and still continue to live in luxury. This is on top of the fact that they have access to wealth management companies that offer cheap liquidity at any time they need it, meaning that to them, investment is a form of consumption, not delayed consumption.

Large, high profile transactions tend to get personal. High-rollers may approach trophy assets based on its personal value to them, sinking mns into stock that is not necessarily profitable. They care more about the acquisition than its financial value or potential price-appreciation. But those tracking the movement of USD using tools like OpenInsider will only see a bn’aire make a large investment and go all-in alongside them, only to come out empty handed, or even worse, find themselves in a hole.

What’s harder than raising a teenager? Raising one from Gen Z. As if being a teenager wasn’t already hard enough — both on the teens and on the parents — Gen Z teens are now going through this transitional phase in the age of constant information, communication, and internet access. This means that what teens need now is completely different from what they needed before.

Are the kids alright? They might have been when The Who were touring, but a survey conducted by Gallup in March of this year reported that Gen Z kids felt more pressure to be perfect, with increased feelings of that anxiety among teen girls specifically. Alongside these worries is a blanket concern for their future. Two out of every three children polled reported genuine anxiety about what the world would look like by the time they are adults.

How can parents help? Combating external pressure is at the top of experts’ lists. Perfectionism, especially when meticulously curated lives are being presented on social media all day everyday, is a major stressor affecting childrens’ self esteem. The trick is to get your young one comfortable with making mistakes by helping them recognize when they’ve made one without reacting negatively to it.

Don’t let your teen brood. Some parents are under the impression that an upset teen wants to be left alone. The study says otherwise — teenagers find that talking things through is helpful, but don’t necessarily want advice. They want to be listened to and to be taken seriously, even during mood swings. Don’t question whether or not they should be having the feelings they’re experiencing, but whether those feelings fit the situation and whether they’re being managed.

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