Investing transforms your life, and the generations that follow you. Yet, it remains far too complex for most to access. In today's world, not investing is a huge financial handicap. When asked about the untold story of our time, Josh Brown, CEO of a $4bn investment firm in New York, said:

“One of the points I try to emphasise is that if you’re not somehow invested in the stock market you have virtually no chance to thrive in the world we’re building. [Society is] creating a system where those without financial assets will be excluded from its benefits.

In the end, we need to figure out how to make everyone an owner in this economy and provide everyone the opportunity to benefit from profit growth. If we don’t, the current economic divide will only worsen. We’re on the brink of an explosion in middle-class millionaire households, which will reshape the economy. Being outside of this transformation will be problematic, not just for individuals but for future generations.

I think about this constantly... this is what everyone will need to do. Given the rising costs and the limits on working hours for hourly pay, having investments will be essential to funding the lifestyle you want to live.”

We're building Penny to end financial exclusion in investing. Whether £5, or £50k, Frank will get everyone investing, and countless lives changed as a result.