The host mentions a hybrid approach to investing, combining passive and active investment strategies. This concept can be transformed into a mobile application that allows users to manage both passive investments (like index funds) and active trading (individual stocks) within a single platform. The app could feature automated investment options for passive strategies, while also providing tools for tracking and researching active investments. Users could set financial goals, receive personalized investment recommendations, and access educational content about market trends. The app can target both novice investors looking for a simple way to invest and experienced investors wanting to diversify their strategies. This dual approach addresses the need for flexibility and comprehensive management in the increasingly complex investment landscape.