Over the next two decades, $84 trillion will quietly change hands. Almost none of the people inheriting it know what to do with it.

I'm seventeen. I'm a junior at the Academy of Business and Finance in Florida, and I've spent the last two years watching something strange. My generation has more market exposure than any generation at the same age — Robinhood accounts at fifteen, crypto wallets at sixteen, opinions about the Fed at every dinner table. But when FINRA tested basic financial literacy across the country, only one in three Americans could answer four out of five fundamental questions about money. Interest. Inflation. Risk. The stuff your future depends on.

The high school finance class is mostly dead. The good newsletters cost $300 a year and read like they were written for a fund manager in 1994. The "finance TikToks" are mostly people trying to sell you a course. There is no daily, well-written, designed-for-you place where Gen Z can actually learn how money works.

So I'm building it.

The Daily Capital is a five-minute morning ritual: one lesson, one quiz, one streak. I started building it because no one our age would.

This is Issue 001. The newsletter will land in your inbox a couple of times a week. The full ritual — a five-minute lesson plus a quiz, every weekday morning — lives on the platform, in early access at thedailycapital.co.

Reply to this email and tell me: what's the one thing about money you wish school had taught you? I read every reply.

Kevin
Founder, The Daily Capital