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Yet just ~5% of advertising dollars target Boomers.

It isn’t a marketplace. With scale, they want to democratize the opportunity to work and travel cohesively and effectively.

There is a lot of value in services that pull everything together in one place, but over time that value starts to recede, the lock-ins keeping people there weaken and the appeal of having separate, specialised products grows.

Zebra IQ, for example, is a VIP membership platform where creators can try out experimental content on a smaller, devoted audience, as opposed to pursuing virality for the sake of ad impressions.

This is holding all of us back. We live in the world of my money and your money. Our money isn’t quite here yet, except within the confines of romantic partnerships, families and businesses.