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with @mira404 @illscience @seema_amble @laurenmurrow\n\nMillennials and Gen Z have been hard-hit by the one-two punch of the 2008 and 2020 financial crises. That experience has radically shaped their approach to finances and their mindset around credit and debt. This episode explores how fintech founders are now designing products tailored to the financial challenges of younger consumers, from managing and avoiding student loans to building credit to saving and budgeting apps. \n\nHistorically, students have largely been overlooked by traditional banks. Due to a combination of economic forces, predatory lending practices, and uninformed decisions, millennials have more outstanding student loans\u2014and owe more money\u2014than any prior generation. According to a poll conducted this month by the data intelligence company Morning Consult, just 46 percent of millennials believe their student debt was worth attending college. \n\nAmira Yahyaoui wants to change that. She\u2019s the founder and CEO of Mos, a platform that allows students to apply for every government college financial aid program with a single application. In this episode, Amira joins host Lauren Murrow and a16z fintech partners Anish Acharya and Seema Amble to discuss how fintech can cut through bureaucracy, downsize student debt, and optimize\u2014and ultimately automate\u2014consumers\u2019 financial futures from an early age.