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☆ Meet the millennials who suddenly doubled their wealth in the last 4 years after an adulthood plagued by bad economic luck
▼ + stars: | 2024-05-11 | by ( Juliana Kaplan | ) www.businessinsider.com time to read: +11 min

"So looking at even a $150,000 price tag for a house, you're just like, when is that ever going to happen?" In the fourth quarter of 2019, millennials held $3.5 trillion in real estate wealth; as of the fourth quarter of 2023, that's more than doubled. Average millennial wealth doubled between 2019 and 2023, according to an analysis from the Center for American Progress. For example, Gen Xers' real wealth grew by only 4% in the four years following 2007's Great Recession. Baby boomers' real wealth grew by 46% in the four years after the 1990 recession.

Persons: —, James Barnes, Barnes, you'd, millennials, Khary, Gen Xers, boomers, Joe Biden, Biden, didn't, Amanda, Rob Gruijters, They're, there's, Caitlin de Oliveira, she's Organizations: Service, Navy, BI, Center for American Progress, University of Cambridge, Research Locations: Lawrenceville , Georgia, Atlanta, Alabama, —, Texas

That's because, taken together, the two primary Social Security funds are set to only be able to pay out full benefits through 2035; the Old-Age and Survivors Insurance Trust Fund, one of the main funds comprising Social Security, will start getting depleted in 2033. AdvertisementIn other words, the moment that today's older Gen Xers are ready to retire, their Social Security benefits could start to shrink. Gen Xers — born from 1965 to 1980 — have been deemed the country's "neglected middle child" by the Pew Research Center. And among the different generations, Gen Xers were the most likely to report that they were feeling financially insecure. That could set the stage for the new crop of Gen X retirees to arrive in an already-precarious retirement economy.

Persons: —, Gen X, Xers, Gen Xers —, YouGov —, Gen Xers, X, Gen Zers, Gen, Michele Raneri, aren't, Xer Organizations: Service, Gen, Social Security, Insurance Trust Fund, Business, Security, Pew Research Center, of Congress, Millennials, TransUnion, Survey, Alliance, Lifetime, Income

☆ A Gen Xer struggles to afford housing and groceries, but her income is about $100 too high to get help
▼ + stars: | 2024-05-08 | by ( Allie Kelly | ) www.businessinsider.com time to read: +4 min

The couple is part of a growing number of Americans who live above the federal poverty line but struggle to afford basic necessities. The poverty line isn't adjusted to reflect cost-of-living differences in individual cities or states and is set at $20,440 a year for a family of two. Binkley is trying to "make ends meet," hopes to leave Minnesota one dayPrimarily, Binkley said she struggles with her rent and utility bills. AdvertisementFor food, Binkley said she is especially thankful for her local food pantries, where she often goes to pick up canned goods. "That is one thing that keeps driving me to make my payments, get things caught up, and set a little bit aside each week or each month, Binkley said.

Persons: —, Melinda Binkley, she's, Binkley, doesn't, ALICE, She's Organizations: Service, Business, Survey, United Way's, Medicare Locations: Stillwater , Minnesota, Minnesota, Idaho

☆ As high-paying jobs become harder to get, more Americans are looking to Uber and Lyft for extra income
▼ + stars: | 2024-05-07 | by ( Jacob Zinkula | Noah Sheidlower | ) www.businessinsider.com time to read: +5 min

Gig work, in particular ride-hailing for companies like Uber and Lyft, is getting more popular. AdvertisementMore and more Americans are taking up gig work for companies like Uber and Lyft — in part because some have fewer options to land high-paying jobs. Additionally, BofA found that people with ride-hailing income earned, on average, more a month than those who did delivery gig work. Vacation rental was the highest-earning gig BofA measured, but this is only accessible to people with a home to rent out. While some young people could value the supplementary income gig work can provide — particularly if they're struggling to pay the bills — others may end up disappointed.

Persons: Uber, —, Lyft, BofA, it's, they've, Kate Bahn, X, Gen, they're Organizations: Service, Bank of America, Bank of America Institute, Bureau of Labor Statistics, Institute for Women's, Research, Atlanta Fed, millennials

☆ As a college professor, I'm seeing more Gen X and Baby Boomer students than ever before. They're changing the way I teach.
▼ + stars: | 2024-05-07 | by ( Lisa Chilcote Bacco | ) www.businessinsider.com time to read: +5 min

I've been a college professor for 20 years, and I'm seeing more Gen X and Baby Boomer students. I no longer lecture to the class and instead let the older students take the lead. An increasing number of college students aren't kids anymore; they're older — many of whom are my generational peers. It's changed the way students learn and the way I teach. I quickly realized they learn differentlyI've noticed that older learners engage in ways that are different from traditional college students.

Persons: I've, Baby Boomer, —, there's, Gen Xers, It's, reboots, diversifies Organizations: Service, Boomers

☆ A Florida Gen Xer who earned over $300,000 secretly working multiple remote jobs shares why he's 'far from rich'
▼ + stars: | 2024-05-07 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +6 min

A Florida-based Gen Xer made over $300,000 in 2023 secretly working multiple remote tech jobs. AdvertisementIn 2021, Robert was making roughly $180,000 a year from his tech job, but when his workflow slowed, he feared a layoff may be coming soon. AdvertisementThe Gen Xer, a Florida resident, is among the "overemployed" Americans who are secretly working multiple remote jobs to boost their incomes. Aside from family and travel, Robert said he spends most of his money on food and his home. Are you working multiple remote jobs at the same time and willing to provide details about your pay and schedule?

Persons: Xer, —, Robert, who've, hasn't, it's, He's, he's Organizations: Service, BI, Business Locations: Florida, Yellowstone, Las Vegas

☆ I tried the app TikTokers could embrace if a ban becomes reality — I'm not convinced it will attract Gen Zers
▼ + stars: | 2024-05-07 | by ( Lindsay Dodgson | ) www.businessinsider.com time to read: +6 min

The app's founder, Edison Chen, described it as "a space for the older generations to feel more comfortable" in an interview with D Magazine last year and somewhere "the parents of TikTok users can express themselves." AdvertisementThe spokesperson said that since the House voted on a TikTok ban, Clapper has seen 30,000 new users. While the app heavily leans on Gen X and Y, the spokesperson said Clapper is adjusting its strategy "to appeal to younger audiences." It would remind me a bit of early Vine, but a lot of content I'm being served seems to be reposted old clips scraped from YouTube and other platforms. On Clapper, I'm watching without really thinking.

Persons: —, Joe Biden, Edison Chen, Chen, I'm, Zers, TikTok, Shannon Lee, Allie, Rebecca Starkey, It's, vaxxers Organizations: Service, Business, D, Pew Research Center, YouTube, Facebook

☆ 10 of the best national parks to visit in the summer, and 2 to avoid, according to a couple who have been to all 63
▼ + stars: | 2024-05-05 | by ( Maria Noyen | ) www.businessinsider.com time to read: +1 min

A Gen X couple who has been to all 63 national parks says some are better than others in the summer. Matt and Karen Smith would avoid parks like Death Valley because of killer summer temperatures. The best to visit in the summer are high alpine national parks. AdvertisementThere are 63 national parks in the US, but according to a couple who have been to all of them, not every park is a summer destination. The National Parks Service reported earlier this year that over 325 million people visited at least one national park last year, a 4% increase from the year prior.

Persons: Matt, Karen Smith, —, Bob, Sue Organizations: Service, National Parks Service, Smiths

☆ 3 reasons your teens and 20s are 'the decisive decade'
▼ + stars: | 2024-05-04 | by ( Allie Kelly | ) www.businessinsider.com time to read: +6 min

And there are three key reasons Gen Zers' decisive decade will shape their ongoing mental and financial health. Unhappiness can shape long-term mental healthGen Zer's mental health outcomes are shaped by their involvement in school and work, Brookings researchers said. AdvertisementAt work, many Gen Zers are struggling with anxiety, work-life balance, and burnout — more so than millennials, Gen X, and boomers. Unhappiness and social isolation are especially affecting Gen Zers who reached adolescence during the pandemic. Not all Gen Zers start on equal footingTo be sure, Gen Zers' education, work, and financial outcomes are also dependent on their life circumstances in childhood.

Persons: —, Zers, Gen Zers, Ian Rowe, Gen X, Lara Aknin, it's, Zer, isn't Organizations: Service, Pew, Business, Brookings Institution, Brookings, Urban Institute, American Enterprise Institute, Research Locations: America, Brookings

☆ Opinion: What people don’t understand about being bisexual
▼ + stars: | 2024-05-04 | by ( Opinion Natalie Schriefer | ) edition.cnn.com time to read: +6 min

CNN —In her 2024 Netflix special “Have It All,” stand-up comedian Taylor Tomlinson has a bit about coming out as bisexual. It can sour otherwise happy events, such as Pride Month in June or Bi Visibility Day in September. I attended my first Pride events, ranging from campus events in 2014 to local parades in 2019, as the straight person I was pretending to be. I continued second-guessing myself, so much so that I could hardly enjoy Pride events. It’s the piece I was missing at my early Pride events, when I was too busy quantifying my behavior and assuming I came up short.

Persons: Natalie Schriefer, CNN —, Taylor Tomlinson, someone’s, ’ ”, Tomlinson, ” Natalie Schriefer, Natalie Schriefer It’s, Hugh Jackman, she’s, —, Privately, unworthiness, Margot Robbie Organizations: CNN, Netflix, Rights, Bisexual Resource, Connecticut Gay, American, of, Twitter, Facebook Locations: Pride, bi.org, U.S

☆ A California Gen Xer who made over $1 million secretly working 2 remote jobs said it allowed him to travel the world, max out his 401(k), and send his kids to private school
▼ + stars: | 2024-05-02 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +6 min

A California-based Gen Xer began secretly working two remote tech jobs in 2020. He made over $1 million in 2022, which allowed him to travel and send his kids to private school. In 2022, Dave earned over $1 million across his two remote jobs, including sales commissions, according to documents viewed by Business Insider. Last, he said people shouldn't feel bad about secretly working multiple jobs. AdvertisementAre you working multiple remote jobs at the same time and willing to provide details about your pay and schedule?

Persons: Xer, —, Dave, he's, who've, he'd, hasn't, jugglers, didn't Organizations: Service, Business Locations: California, America, Europe

☆ Don't feel too sorry for Gen Z — they're outpacing boomers on income and millennials on home ownership
▼ + stars: | 2024-05-02 | by ( Theron Mohamed | ) www.businessinsider.com time to read: +4 min

download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. But things might not be as bad for Gen Z as they seem. Members of Gen Z are projected to spend more on housing costs like rent, mortgages, insurance, and utilities after inflation between the ages of 22 and 30 than millennials did, a recent RentCafe analysis found. Related storiesYet Gen Z's typically higher earnings mean they'll only spend an estimated 30% of their income on housing compared to 36% for millennials. AdvertisementSuccess may be short-livedIt's worth digging into why Gen Z is doing well financially.

Persons: —, Gen Z, Z, boomers, Gen, millennials, They've, lockdowns, Zeds Organizations: Service, Business, Reserve, millennials

☆ Some millennial and Gen X parents are leaving it all behind to spend 6 figures on a family gap year. Here's how they budget and 'worldschool' their kids.
▼ + stars: | 2024-05-01 | by ( Hillary Hoffower | ) www.businessinsider.com time to read: +11 min

Some white-collar parents are leaving their jobs to take family gap years. It's sticking around as the world somewhat normalizes; Reddit is littered with threads looking for family gap year advice, which posters can easily find in various blogs. She now offers a family gap year and extended travel planning service for $80 to $100 an hour. "It could expand into a big business," she said, adding that her family gap year clients typically have disposable income and kids around 8 to 11 years old. AdvertisementWorld lessons, no classroom requiredNo family gap year is complete without immersive travel.

Persons: —, Claire Williams, Matt, they'd, Claire, It's, Jennifer Spatz, itineraries, Amy Chang, Chang, Allen, they've, Spatz, Marisa Vitale, it's, She's, hadn't, what's Organizations: Service, Area, Federal, Global, United Nations Sustainable Locations: Sri Lanka, Sahara, worldschooling, COVID, Massachusetts, Asia, Europe, Venice, Italy, Airbnbs, Greece, Nepal, Sydney, Australia, Santiago, Chile, Spanish, Guatemala, Vietnam, Argentine, Jordan, Patagonia, Los Angeles, California, Salt Lake City, U.S

A growing group of America's young people are not in school, not working, or not looking for work. They're called "disconnected youth" or "opportunity youth," and their ranks have been growing for nearly three decades. Experts say it's not just work and school; this group is often also disconnected from a sense of purpose. Palmer added that those with limited access to transportation, people with disabilities, and young parents were also more susceptible. Disconnected young people don't have that luxury."

Persons: —, Destiny, She's, she's, They're, Kristen Lewis, Lewis, hadn't, there's, Sen, Tim Kaine, who's, Joseph, he's, hasn't, he'd, Ashley Palmer, Palmer, Sarah Nunley, Nunley, Veronica, There's, Lucchesi, they're Organizations: Service, Business, Federal Reserve Bank of Dallas, Social Science Research Council, Survey, University of Minnesota's, National Center for Education Statistics, Walmart, Texas Christian University, Ivy League Locations: Florida, Alabama, Indiana, Silicon Valley, YOLO, Texas

☆ Here is the average credit score at every age in the U.S.—see how yours stacks up
▼ + stars: | 2024-04-27 | by ( Cheyenne Devon | ) www.cnbc.com time to read: +1 min

Although Americans' average credit scores recently dropped for the first time in a decade, many appear to be maintaining a relatively healthy score. The average credit score dipped by one point, from 718 to 717, according to FICO's March 6 blog post. Your FICO and VantageScore credit score can fall anywhere between 300 and 850, and a 717 score is considered to be "very good," according to the VantageScore model. Here are VantageScore's rankings and ranges:Very Poor: 300 to 499300 to 499 Poor: 500 to 600500 to 600 Good: 601 to 660601 to 660 Very Good: 661 to 780661 to 780 Exceptional: 781 to 850When you break down the average credit score by age, most Americans appear to have a good score as well. It's understandable that older generations tend to have higher scores since they've had a longer time to establish and maintain their credit.

Persons: they've Organizations: CNBC

☆ From Gen Alpha to boomers, we asked 6 therapists what each generation is talking about in therapy
▼ + stars: | 2024-04-27 | by ( Kim Schewitz | ) www.businessinsider.com time to read: +11 min

Millennials are anxious avocado-eaters who'll never own property, while Gen Zers are depressed snowflakes who take liberties at work. So in the spirit of finding some common ground amid all the mud-slinging, BI asked six therapists what their clients from different generations commonly talk about in therapy. Gen Alpha are also forming friendships outside their family and independent of their parents or carers, and that's reflected in what kids worry about. Diana Garcia, a therapist in Florida, works mainly with older Gen Zers between 18 and 26. MillennialsLike Gen Zers, millennials, who are in their late 20s to early 40s, also feel insecure because they compare the "perfect lives" they see on social media with their own, Owen said.

Persons: —, Millennials, who'll, Gen Zers, X, It's, Gen, Gallup, we're, Israa Nasir, Generation Alpha, There's, Georgina Sturmer, Elena Popova, Amanda Macdonald, Gen Alpha, Alonso, Gen Alphas, Jill Owen, Z, Owen, Diana Garcia, Nasir, Sturmer, Gen Xers, that's, boomers, we've Organizations: Service, Alpha, Business, Gallup, Generation, Centers for Disease Control, CDC, British Association for Counselling, Psychotherapy, Therapists Locations: New York, New Jersey, Florida

☆ Meet a Gen X ALICE in Michigan who struggles to pay for prescriptions and can only afford one meal a day: 'I make too much to get help.'
▼ + stars: | 2024-04-25 | by ( Allie Kelly | ) www.businessinsider.com time to read: +5 min

This story is available exclusively to Business Insider subscribers. As the main income earner for her household, Tobias works to support her 19-year-old son, her fiancé, and her fiancé's mother. Advertisement"I make too much to get help," she told Business Insider. AdvertisementAnd, guaranteed basic-income programs — which are being tried in cities across the US — typically only apply to families living below the poverty line. Tobias works full-time but struggles to afford utilities and healthcareElectricity and mortgage bills are Tobias' top expenses.

Persons: —, Cherie Tobias, hasn't, Tobias, ALICE, Applebee's doesn't Organizations: Service, Business, Survey, United Way's Locations: Hastings , Michigan, Michigan

☆ Millennials are a lot better off financially than you may realize
▼ + stars: | 2024-04-25 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +7 min

In today's big story, we're looking at how millennials have seen their wealth explode over the past few years. Millennials, the oft-maligned generation , are a lot better off financially than you might realize. A new report found millennials saw their wealth double from the end of 2019 through 2023, writes BI's Juliana Kaplan. Whatever the case, millennials' wealth can keep growing. The Department of Justice is investigating the consultancy for its past work advising opioid companies about how to boost their sales , The Wall Street Journal reported on Wednesday.

Persons: —, Iurii Garmash, Tyler Le, millennials, BI's Juliana Kaplan, Harry Potter fanfiction didn't, Millennials, Gen Xers, eyeing, Juliana Kaplan, Gen, Chelsea Jia Feng, Jamie Dimon, Devin Nunes, Mark Zuckerberg, they've, There's, Nathan Congleton, Blackstone, Donald Trump's, Dan DeFrancesco, Jordan Parker Erb, Hallam Bullock, George Glover Organizations: Service, Business, Studio, Getty, millennials, Slaven, The New York Times, Nvidia, Trump Media, House Republicans, Meta, Green, Getty Images Google, Apollo, KKR, Justice, Street, Wednesday, McKinsey, NFL, US Locations: That's, Chelsea, premarket, NBCU, New York, London

☆ Gen Z would rather take a chance on a new app than use 'embarrassing' Instagram if TikTok gets banned
▼ + stars: | 2024-04-25 | by ( Lindsay Dodgson | ) www.businessinsider.com time to read: +9 min

AdvertisementAs a potential US TikTok ban looms, Gen Zers are contemplating what app might take its place. A potential TikTok ban loomsThe US Senate passed a bill on Tuesday that could see TikTok removed from app stores. It's unclear if such AI tools would convince Gen Z to scroll on Instagram and use it more often. AdvertisementJaxson Whittle, an older Gen Z, told BI he holds a different opinion. "No hate to them, but I don't think it's the move for Gen Z at the moment."

Persons: Young, —, Zers, Joe Biden, They'd, Gabrielle Yap, Instagram, Josie doesn't, Gen, Hibaq Farah, TikTok, Farah, Tabitha Mae, I'm, I've, Yap, Kat, It's, Sophie Lund, Yates, Hargreaves Lansdown, Jaxson Whittle, TikToker Cassandra Marie, Gen Z, she's Organizations: Service, Senate, Business, Pew Research Center, Meta, Facebook, BBC, YouTube, Gen Locations: TikTok

☆ Millennial wealth is booming. It turns out avocado toast didn't tank them after all.
▼ + stars: | 2024-04-24 | by ( Juliana Kaplan | ) www.businessinsider.com time to read: +5 min

That rate of rapid wealth growth has never happened before in the data series' history, per the analysis, and it comes after wealth growth remained relatively stagnant for young Americans pre-pandemic. This data, as the authors of the CAP analysis note, suggests that wealth gains weren't just reserved for the top-earning millennials since both median and average wealth grew. "This suggests that the strong wealth growth for younger Americans is broad-based and not the result of strong growth of a handful of wealthy younger households," the authors write. As that report notes, financial assets were a major component of younger Americans' wealth growing. "We need to keep this robust labor market going and Congress needs to set its sights on younger Americans' greatest affordability challenge: housing," Duke said.

Persons: —, Gen X, Brendan Duke, Christian Weller, X, millennials, Duke, BI's Noah Sheidlower Organizations: Service, Center for American Progress, Federal, Business, Boomers, Federal Reserve's Survey, Consumer Finances, millennials, Liberty Street, Federal Reserve Bank of New Locations: millennials, Federal Reserve Bank of New York

☆ Meet the typical ALICE: Americans struggling to afford basic necessities but making too much to get help
▼ + stars: | 2024-04-24 | by ( Noah Sheidlower | Juliana Kaplan | ) www.businessinsider.com time to read: +5 min

The South has the highest concentration of states with about 50% of residents below the ALICE threshold. They're either the youngest or oldest workers in the workforce, often single parents, and full-time workers — but they're still not making ends meet. Married adults with children tend not to be ALICE, as 80% reported being above the ALICE threshold. ALICE Americans are all across the country and in both rural and urban areasALICE Americans exist everywhere from the isolated countryside of the US to the country's biggest cities. The breakdown between urban and rural ALICE is somewhat consistent — the ALICE population makes up 30% of the rural population and 28% of the urban population.

Persons: —, ALICE —, ALICE, They're, they're, ALICE Americans, Gen, ALICE millennials, Xers, Stephanie Hoopes, United For ALICE, Still, Hoopes Organizations: Service, United Way's, Business, United For, ALICE, Nationwide, United Locations: America, ALICE, Florida, California, New York, Texas, Iowa

☆ The pre-owned luxury watch market is thriving
▼ + stars: | 2024-04-24 | by ( Fawnia Soo Hoo | ) edition.cnn.com time to read: +11 min

Granted, the pandemic-induced second hand luxury watch boom peaked back in March 2022, but the market is still going strong, and price levels remain higher than pre-Covid times. “(They’re) a crucial demographic for the growth and evolution of the pre-owned and vintage luxury watch industry,” added Paul Altieri, founder & CEO of multi-brand online luxury marketplace Bob’s Watches. Don't be shy," said Dimepiece's Brynn Wallner of new buyers' potential nerves when it comes to luxury watch stores. How can you tell if a luxury pre-owned watch is the real deal? “Luxury watches of this caliber will go from one generation to the next to the next to the next,” he explained.

☆ Half of American workers support a ban on talking politics in the office
▼ + stars: | 2024-04-23 | by ( Eric Rosenbaum | ) www.cnbc.com time to read: +2 min

Office politics have always been a point of frustration for workers, but now it's politics in the office that's getting to many American workers. In an era during which more workers have felt emboldened to challenge bosses over politics — with the recent Google worker protests and arrests a prime example — just under half of American workers polled by CNBC and SurveyMonkey say they would support a ban on political conversations at work. Younger workers show less hesitancy toward political discussions, with 41% of Gen Z workers saying they would choose to bar any political discussions at work. That's lower than millennial workers (46%), Gen X workers (52%), and boomers (49%). The CNBC | SurveyMonkey online poll was conducted April 3-5 among a national sample of 5,993 workers in the United States.

Persons: Lara Belonogoff Organizations: Google, CNBC, SurveyMonkey, Survey, Columbia University Locations: Google's San Francisco, Gaza, San Francisco , California, United States, Israel

☆ A Gen X couple moved from California to Massachusetts to escape high housing costs: 'We still pinch ourselves over how lucky we are.'
▼ + stars: | 2024-04-23 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +8 min

AdvertisementSteve Dalton, 56, and his partner Sydney Sauber, 58, were ready to leave the Bay Area of California after nearly two decades. Leaving California for MassachusettsDalton, an IT professional for a university, was born and raised in the Bay Area. While there, she met Dalton, and they moved into a condo in San Pablo two years later in 2010. As they reached retirement age, the couple wanted to purchase a house, though they knew that would be implausible in the Bay Area with their budget. He estimates a similar home in the Bay Area would cost over $2 million.

Persons: Steve Dalton, Sydney, Dalton, —, they've, Worcester, Massachusetts Dalton, Pablo didn't, Sauber, he's, They've Organizations: Sydney Sauber, Sauber, Worcester, Service, Survey, Chevron, Red Sox Locations: California, Massachusetts, Bay, West Coast, Worcester , Massachusetts, Worcester, Marin County, San Francisco, Contra Costa County, Puerto Rico, New York , Texas, Florida, New England, Northampton, Salem , Massachusetts, Dover , New Hampshire, East, San Pablo, Oakland, Pablo, Englanders

☆ How much Americans in their 40s have in their 401(k)s—and how to boost it
▼ + stars: | 2024-04-23 | by ( Cheyenne Devon | ) www.cnbc.com time to read: +2 min

If you're in your 40s and have over $40,000 saved for retirement, you're ahead of most people in your age bracket. Here's how much Americans have in their 401(k)s by age, according to Fidelity. By the time you reach your 40s, you should aim to have three times your salary saved for retirement, according to Fidelity's guidelines. Why Americans in their 40s haven't been able to save moreVarious factors have gotten in the way of this age cohort's ability to boost their retirement contributions. How people in their 40s can boost their retirement savings

Persons: they're, Anne Lester, Xers, Lester Organizations: Fidelity Investments, Fidelity, CNBC

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