Wall Street Used to Be a Members-Only Club. Your Phone Just Opened the Door.
Thirty years ago, building an investment portfolio meant navigating a world of gatekeepers, minimum account balances, and commissions that made wealth-building feel like a luxury reserved for the already-wealthy. Today, a teenager with a smartphone can own fractional shares of Fortune 500 companies for free. The shift reveals more than just technological progress—it's a fundamental reshaping of who gets to participate in building wealth.