If you're a millenial - or younger - you're far more likely to use a peer-to-peer lender or crowdfunder than your parents' generation. The peer-to-peer lending and crowdfunding markets have grown rapidly and with a rise in the number of financial disrupters, traditional ways of investing and borrowing are being challenged. And others are choosing crowdfunding as a way of raising money for anything from paying off debts to tuition fees. Sarah looks at the pros and cons with her guests; Young Money champion Amelia Murray, Tom Woolf, founder of EdAid, Lucy Bott of Ratesetter and Tom Britton, co-founder of the Syndicate Room.