These days, you can’t swing a vintage pair of Doc Martens without hitting a new study or article describing why Gen X won’t live up to its retirement potential.

Prudential warned us in 2023 that more than a third of Gen Xers had less than $10k in retirement savings. In 2024, Natixis Investments found that 48% of Gen Xers said it would take a miracle for them to retire securely (up from only 41% of Generation X counting on divine intervention as of 2021).

Even the much-lauded great wealth transfer—the $124 trillion in assets that baby boomers will pass along to their heirs by the year 2048—will largely skip over Gen X. The wealth management firm Cerulli Associates anticipates that millennials will be the biggest beneficiaries of the wealth transfer, inheriting $46 trillion over the next 2

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