I told my parents that their generation was a fluke of demographics and that they are going to be the last ones as a generation to have a retirement. My generation is going to have to keep working to keep the lights on, and the idea of idle time at the end of one's life will be a dimming memory. Kids in their 20's are screwed over. Housing, health care, education all exploded in costs while incomes mostly flat-lined. When the realization hits for enough people to become a political issue, it is not going to be pretty. My parent's reply? I'm a member of a spoiled generation who does not know how good I have it, that I spend too much on lifestyle choices and I need to save more. They then asked me if I was ever going to move back to California where housing is 4x as expensive as it is out here. I love them to death but they don't get it.