The Millennial generation has a lot going for it. Raised on cutting-edge technology and social media, they consider themselves optimists with big plans for the future—they are generally confident, connected, and committed to doing meaningful work. Unfortunately, many also graduated from college with staggering debt; according to the 2014 Wells Fargo Millennial Survey, this generation's top financial concern—besides day-to-day bills—is paying off student loans. As a result, those with young children may find saving for future education expenses difficult.