Personal finance app Clasp founder Sunny Israni spent over 100 hours interviewing millennials about their money perspectives and habits.<br />He found that first, millennials who aren't good with money don't have a clear vision of what money means in their life.<br />Millennials who are good with money tended to have a clear vision of what they want from it, and know their money goals.<br />Second, millennials who struggle financially don't put limits on their social spending.