This document discusses two generations: baby boomers, born between 1946-1964, and Generation Z, born between 1996-2015. Baby boomers prefer traditional media and in-person banking, while being shaped by post-WWII optimism. Generation Z receives their first mobile phone at age 10, is financially conservative due to observing millennial struggles, and has a strong interest in financial education from a young age. Both generations engage with social media, but baby boomers still prefer cash for small purchases while Generation Z is focused on avoiding debt.