Millennials may still feel quite young (despite those pesky gray hairs and less-than-fine lines), but in so many ways, we have adulted. So it’s time for our money management to grow up a bit, too. Your financial to-do list is small but mighty in your 20s. Setting up automatic transfers to a high-yield savings account, contributing enough to your 401(k) to get the full employer match and paying down high-interest debt can take you quite far. Now, you can do more to propel yourself to financial success in your 40s and beyond. Make Use of A Higher Credit Score You don’t have to treat a high credit score like a precious work of art. Good credit can qualify you for better borrowing terms, so put that to work. Try to cut back on the cost of borrowing. “In terms of bang for your buck, refinancing is an important thing you …