Years ago, when my babies were babies, I’d pull them in the red wagon, turn around and say, “someday you’ll be pulling me in the wagon.” <3  They were baffled because “mommy, you’re too big!” Fast forward almost 30 years later, my Millennials are smarter and faster with the same core values. And now, I can count on them for tech, travel, fitness, and financial advice.  Pay now, or pay later.