Your parents aren&#x27;t SoFi&#x27;s target market.  Their target market are the people most likely to be looking at their phones.<p>I agree that it&#x27;s probably easy for the HN crowd to think mass TV advertising is over, when it actually isn&#x27;t.  I just think that for certain audiences it makes a whole lot more sense than others.  If I were running a startup looking to cash in on the huge numbers of boomers entering their senior years then a Super Bowl ad might make sense.   For one targeting not just millennials, but relatively affluent millennials it makes a lot less sense.