There’s a lot of eye rolling, patronizing, and dismissal of Millennials by older generations — some of which is warranted, some not. But have you ever thought about this cohort of tech-savvy professionals poised to take over the world and stopped to consider that they’re spending and saving much smarter than other generations? ‘Cause it’s true.

What are they doing differently? Take a look at these seven ways Millennials are changing the money game entirely to forge their own path to financial success.

1. Millennials Are Quick to Adopt New Payment Technologies

There used to be only three ways to pay for purchases — cash, check, or charge. But today there are several paperless options that require neither physical money nor the prospect of accumulating debt with credit. These new mobile-based payment technologies are linked directly to a bank account for what’s essentially a debit transaction without the card, and Millennials are adopting them in droves.

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