Finding Patrick Finnegan in a the middle of the lunch crowd at Ludlow House was easy. His frame is slight, and he sits with a hunch, scrolling on his phone. We meet for lunch because Mr. Finnegan isn’t allowed into Ludlow House past 8 PM, because he is just 20 years old. Despite his age, he’s become the secret weapon used by media and luxury fashion brands to reach the next wave of consumers known as Generation Z. This contingent of young, but deep-pocketed shoppers were born between the late 1990s and the early 2000s, and have a combined buying power of $44 billion dollars.