Millennials witnessed more than the birth of personal technologies, they saw first-hand the effects of the 2008 recession. While arguably the most college-educated of generations, many graduated only to be met with a job market unable to support their numbers. The youngest among them watched as hard-working parents were laid off and family homes were foreclosed upon. These experiences have created a focus on budgeting, frugality and cash use. This desire for cash and budgeting as well as their reliance on technological convenience has led Millennials consistently to the ATM.