Every new year of the last decade I set a personal challenge. My goal was       1       (grow) in new ways outside my day-to-day work running Facebook. These       2     (lead) me to learn Mandarin, code an AI assistant for my home, read more books, run a lot more, and get       3     (comfortable) with public speaking.

When I started these challenges, my life was almost all about building the Facebook website. Now there’s so much more to learn. At Facebook, we’re building lots of different apps and technology and we’re handling a lot more social       4     (responsible). And   outside Facebook, I’m a father now and I love spending time with my family, working on our charity and improving at the sports and hobbies I       5     (pick) up over the past years.

This decade I’m going to take       6     longer term focus. Rather than having year-to-year challenges, I’ve tried to think about       7     the world and my life will be like in 2030 so I can make sure I’m focusing       8       those things. By then, if things go well, my daughter Max will be in high school. We’ll have the technology to feel       9       (true) present with another person no matter where they are, and scientific research will have helped cure       10       prevent enough diseases to increase our average life expectancy(平均寿命) by another 2.5 years.

Cards and digital(数字的) technologies     1    (kill) off cash slowly, but is it a cause for concern? Not     2    (necessary). Here are some ways of making the most of digital finance.

Cash is no longer king. Over recent years fewer and fewer transactions have been made with cash. The most recent figures show coins and notes are used just 34% of     3     time, down from 63% a decade ago. And usage     4    (predict) to fall to just 10% in 15 years.

Instead we’re paying with cards and digital technologies. Some of this is down to user choice, with contactless cards and smartphones making spending     5    (fast) and more convenient.

But it’s also being forced upon us. Some retailers are refusing physical money as they can avoid the high bank charges levied(征收) at them for     6    (handle) cash. Meanwhile it’s harder to get your hands on notes as cash machines and     7    (bank) disappear from the high street. And these are trends which are likely     8    (increase) in the coming years.

This could be bad news if you still primarily use cash,     9     that’s how you pay your bills or how you budget. For some, cash is just what you know. For     10    , cash is a necessity—especially when going digital is the alternative.

As a result this move towards cashless society makes many uneasy.