I agree with you on everything you said but want to add one more point. Millennials are now pretty much in charge of their own retirement too and put it off because they "can't afford it and have plenty of time to save for retirement." Gone are the days of being able to work one company for your entire career and have them pay you a pension when you retire after 30+ years of dedicated service. Now, we are left to fend for ourselves and most people are not educated on retirement accounts because they were never taught. It is a sad state of affairs honestly. Thanks for the post!
Ivy