I'm a millennial, 32 years old, born in 85. I've been married just over 12 years, have two sons- 10 and 12 and my daughter will be born any day. I have a 401k that I put 16% into and my company matches 5%. I also have a pension, which, when I can retire at 65 will get me about $3,200.00 per month. I've worked since I was 11 years old (no, not full time but I did what I could while in school). I pay my mortgage, keep the lights on, have food in the fridge and take care of my wife and kids. All "millennials" are not the same. Oh, and I know how to change a light bulb......

I'm not saying it is a bad idea to save money for a retirement you may never see when you are under 35, but do you NEED to?

You are missing the point of my question. Do you have to save for retirement your whole working life to have an adequate retirement income? If you start at 35 and retire at 65, IMO. you should be able to save all you most likely will need. IMO you should enjoy some of that money doing things you won't be able to do when you are 65 and older.

Boomers have been by far the largest voting block for years, they have dictated who is elected and the general direction of the country, they elected people who made poor investments with their social security and most of them will extract far more from it than they paid in, now Millennials are becoming the larger voting block and generation Z is about to start voting, the country is 20+ Trillion in debt and boomers expect Millennials and generation Z to keep working and paying into social security that they promised to themselves on the backs of the future. Do not be surprised if in 5-10 years from now Millennials and generation Z vote in politicians who are not friendly to social security or other benefits the Boomers promised themselves and never funded.

the country is 20+ Trillion in debt and boomers expect Millennials and generation Z to keep working and paying into social security that they promised to themselves on the backs of the future.

It's not punitive to expect programs that cannot be sustained to be reduced.

The millenials need to keep in mind that 10 trillion of that was done in 8 years. To blame that on the boomers is overly simplistic and short-sighted. On top of that, the votes have been out there to trump the boomers for years...but the young are too lazy to go to the polls. So, I guess the millenials can try to take the punitive approach, but I suspect they'll be too lazy.

Math isn't political, punitive and doesn't care what you do when you retire.

The millenials need to keep in mind that 10 trillion of that was done in 8 years. To blame that on the boomers is overly simplistic and short-sighted. On top of that, the votes have been out there to trump the boomers for years...but the young are too lazy to go to the polls. So, I guess the millenials can try to take the punitive approach, but I suspect they'll be too lazy.

And the boomers think Millennials and Gen Z are liberal?

Boomers were trying to over throw the government in favor of communism and committing acts of terrorism.