who is generation z?


Were you born between 1996 and 2010?  You are Generation Z!  

In working toward creating a Family Legacy of Financial Wellness, I am learning so much!  I know that none of my children or grandchildren are Generation Z.  So, without any bias, I can discuss this here as a part of my Legacy thinking.  

Generation Z are very young pragmatists!  They are resolute, smart, hardworking, and entrepreneurial.  They have experienced our first black president in the United States.  They know they can change the world!  They have experienced a major recession with great economic instability and they may be headed into their second right now!  They have experienced great growth in the stock market numbers.  They are now experiencing some major pullbacks.  They have experienced the election of a president no one thought could win.  His promise was to “Make America Great Again”.  Generation Z will help determine much of what the future days hold in all of these areas.  

Generation Z is powerful for by 2020 they will represent 40% of the consumers.  They strive for and demand excellence in brands.  They are the “pivotals” as described by Jeff Fromm and Angie Read in their MARKETING TO GEN Z book.  They look at price and value.  They have been mobile since birth; but they are old souls in young bodies.  They actually trust their parents.  

Their values include diversity, equality, collaboration, and earned success.  At the same time, they are obsessed with their social life, they care but are not connected, and they have social media but their use is questionable.  They live IRL “In Real Life”, and their FOMO “Fear of Missing Out” and FOLO “Fear of Living Offline” is real.  Facebook is not dead to them, but they scroll more than they post.  They get their info from Twitter!  They also lead Instagram which inspires them!  Snapchat is their go to app.  

Their influence is also at home even with the changing family structure.  They influence family decisions.  They want to know real people rather than celebrities.  Their brand is “ME” and want to be understood, seen, and grow.  They listen to be heard.  They are empowered consumers in their society of conscious capitalism.

They are a generation to be involved in a Family Legacy of financial wellness…I hope we are all listening to them so that we may all be heard as we move into our futures!

Leaving Eddie Jones Created New Energy…and EMPOWER Excellence Began to Breathe!


As I began to see the end in sight for my career at Edward Jones, I began to think about what my next career was to be.  Lots of people had lots of ideas.  Some of those ideas I began to give thought to; some fell by the way quite quickly.  I now knew I was not a great employee any longer:  I had created my set of values and found it necessary to live by those values all of the time not just when I was “off work”.  Values were an important consideration.

Folks of influence upon me for many years expressed an opinion that I needed to share with others what I had talked of in my financial seminars for women, and that was all-out “The Energy of Money”.

Always reading on financial topics, I read “The Energy of Money” by Maria Nemeth, and its impact on me was very strong.  It spoke to me!  I did begin incorporating thoughts from it when I spoke to women’s groups.  Yes, it was a path to consider, and I did.

At one point, I was challenged by a Catholic nun to present a program to a group of women transitioning from homelessness to independent living.  Conversations with the women brought out two important points to them about money:  they wanted to be empowered and they wanted to be excellent with money.  

So a snowy morning in November in 2010, my logo as appears above was created by me on my computer.  EMPOWER Excellence was born.  The colors carefully chosen through personal preference and intuition and spirituality directing me.  It was meaningful; it did reflect my values of energy, work, excellence, and empowerment.  Yes, this was it.