By the time their predecessors retire, soke milleniald will be nearing retirement age in some career fields, never advancing past middle management salaries at best. It is truly insanity if you think about it. A lot of them pull in 2 retirements if they are federal, which the more I think about it just highlights their self centered nature. We are lucky if a pension will exist for us when that day comes -- they get 2. Social security wont exist for us -- make it tax free for them. Can't afford a home -- they have multiple; the kicker is if they are feeling nice they will maybe let you rent one from them.