Amid Retirement Challenges, Younger Generations Show Hope

‘Young generations are more financially prepared because they separate their identities from their incomes,’ one expert said.Illustration by The Epoch Times, Getty Images|December 16, 2025Updated:December 16, 2025Americans of all ages increasingly view a comfortable retirement as a challenge, according to recent studies.From baby boomers nearing their final paycheck, Gen X being late to the savings game, and millennials with employment-sponsored plans to Gen Z grappling with artificial intelligence (AI) on the first rungs of the career ladder, the challenges and outlook for each generation are very different.