If you scroll through social media, you might think the average twenty-something is only interested in overpriced coffee, trending sneakers, and "living for the moment." But look a little closer at the bank statements, and a very different picture emerges. The truth? Gen Z investing habits are far more disciplined and sophisticated than they get credit for. Born into a digital-first world and maturing during economic shifts, this generation isn't just saving for a rainy day -