This sounds overstated, but it's mostly a reminder that most of the Millennial generation is over 30 now, and many are approaching 40.https://twitter.com/CNBC/status/1186075946417344512 …
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For my part, no more than half of the money I've saved since I started working 23 years ago has gone into retirement or cash savings; the rest went into house down payment and - mostly - 529s for the kids.
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What's depressing - and a common experience that fuels a lot of the politics of people under 40 - is that I make multiples of what my dad made, I've saved hundreds of thousands of dollars in 529 accounts, yet my kids will still graduate with more college debt than I did.
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I had a late start, but by pouring as much as possible into my 401(k) I've caught up. Forcing yourself to save has been the difference for me.
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I started working at 23, having kids at 25, & bought a house *in New York City* at 28, so easier said than done. But at least by now we have one supporting himself.
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