Born in 1980, I was one of the first Millennials, not that I knew it at the time. I was an early adopter. And now everyone in finance is finally talking about my kind, my generation. Others call me an expert in innovations within the banking and insurances industry: my job is giving advice how to be better – digitally better, more engaging, more innovative. But this guide is truly and only subjective. I might have some of my own research and the research conducted by others in the back of my mind – occupational hazard. Nevertheless, this is supposed to be personal. And I feel entitled by one lesson I have learned in my life: the more personal you speak, the more general you end up being.