I'm in my 30s. Today is the first day I've ever heard of Venmo.

I think the reason why I never heard of it is cause of the way my friends and I handle money. One person will grab drinks one day and the next time the next person picks up lunch. If someone buys a pizza everyone just gives them whatever bill from their pocket. None of us really "keep track" in specific dollar figures. Nobody says "this is only $5, you owe me $6."

Of course this kind of thing doesn't work out for every group.