The document summarizes the results of a survey of 56 interviewees ages 19-26 about their spending and saving habits. It finds that 85% use cards more than cash, 80% do not limit their spending, and most check their accounts on their phone or online rather than at a bank. When asked how they save, 60% reported using a savings account, while 40% do not save. It also briefly describes tap-and-go payment technology and PNC's virtual wallet product.