Since the inception of multiple economic lockdowns driven by SARS-CoV-2 fears, as well as inflation reaching unprecedented highs (7.5% currently), more and more average people have been finding ways to bring in additional income. This massive wave of millennials and Gen-Z, have taken an extreme interest in stock and cryptocurrency trading/investment, with brokerages reporting well over thousands of new accounts year-to-date. Though there are always outliers, a majority of new