All the young people he meets use their app. After last night's quarter miss, due to crypto trading falling off in Q3, he fears that some of their users are getting out of trading. These people have an average age of 31 with a median account of $240. He also fears that users are speculating in cryptos (which he owns), but not investing. HOOD offers some investing education, but what exactly, like diversification or long-term wealth building? It is only about speculating in the riskiest cryotos? APRU has plunged around 36%.