it is true for millenials, gen xers. the fact is the world has been changing, and we need to catch up. , bute are living longer health-care costs more. that means that, if you live longer, you have to think about working longer, you have to think about saving more, in thetion, it looks like stock market returns in the future are very likely not as great as the ones from the past. and so, that means that the dollars you set aside today are actually -- you cannot count on them as earning as much as the dollars that their parents or their employers set aside. the last change that really matters is that we have moved from a society in which the dominant form of retirement was a pension, in which you and i did not worry about our retirement, the employer did. the employer had to make sure that there was enough money set aside and that you had a paycheck for life. now we are in a world in which most of us, although there are still 70 million people who have have ton, most of us decide how much to set aside, most of us how to d

more gen xers. the age range of managers is a lot younger. i came from sacramento which was a little bit older. there is a number, a number of gen xers in management level. i found that we can talk more to millennials and baby boomers, we do both. there is a certain level of i get it, even if i don't understand it completely as much as this millennial or boomer, there is a point of reference where we can step to one or the other. i think that is one of the solutions you get to you do not look 73. i had to mention that. that does help in some cases do have people who can understand different generations and can translate. >> a lot to say to her comment that as i have been writing the stories and interviewing people, so many people have been telling me thank you for telling a story, thank you for interviewing me. it has been an honor talking to you. i am floored by that. it is so hard to get people on get them to open a personally and this case, this is a one time where everyone has been so open and so available to share their life story as wel

we should hire more gen xers. i think one of the things that is interesting about the times right now is the age range of managers is a lot younger. granted, i came from sacramento which is a little bit older. i will put a shout out to my generation. there are a number of gen xers in management level. it is interesting because i found we can talk a little bit more to millennial, because we do both. there is a certain level of, i get it even though i don't understand it as much. there is a point of reference where we can tap into each other's knowledge. by the way, you don't look 73. i had to mention that. i do think that helps in some cases where you do have people who can understand generations and can translate. >> to her comment, as i have been writing stories and interviewing people. so many people have been telling me, thank you for telling his story. and q4 interviewing me. it has been an honor talking to you. i am floored by that. oftentimes it is so hard to get you on the phone to get them to open up perso

>> also because there is a split in who feels satisfied baby boomers feel more satisfied than gen xersing is mycollegeguy.org. if you want to major in a liberal arts subject, go for it. the practical stuff like getting a job will work itself out what i mean, college costs are outpacing wages right now. there are so many choices that are not practical. they're not a good return on the investment and where are the college guidance counselors who are standing up and saying so or for that matter, the parents >> my joke in college. i had this joke when i graduated from college you know, my engineering friends there were career days career days in the sciences and things i was a journalism graduate. the journalism department closed before the end of the school day. a sign that said, you thought you were going to get a job with this but, you know, if i had to do it again i would probably study economics or political science or something that could be applicable >> there are plenty of warning signs out there. you know where i stand on this you sign the dotted line for the loan, you took out th

it's to enlarge the electorate, get those millennials, gen-xers voting. >> you're saying on the ground places like new hampshire you're hearing it -- >> i shook 240 hands in three diners a couple of weeks ago. i didn't encounter one trump voter. and they weren't acting either. >> so you're up against some pretty serious headwinds. history being among them. but another reason people don't primary sitting presidents often is that going against the infrastructure of the party, in this case the rnc, all that money and resources, et cetera. that's tough. are you feeling that challenge, that obstacle? >> not so much. you know, the republican state parties often are quite weak there. they are just a reflection are and are the trump committees in each state. the new hampshire republican party, for example, is a few trump loyalists but, you know, that state is 65/35 pro-choice on preproductive rights. it's a new england republican state and i aim to make it mine. >> i as a new englander, you know, i know what you mean. speaking of new hampshire, how important is that state for your strategy? >>

my husband is a gen-xer. he says, you know what, they're trying to get their moment in the sun.licans have done better on that. so i think this generation more so than anything, having formerly been with the democrats of america, look at a different way of approaching things because the deal has set up in the last 30 years politically just haven't panned out for us. we came out of one of the biggest recessions, the wait was stagnating. we talked to individuals who said, oh, yeah, when i got out of college i had this $10,000 loan debt and i was able to pay it off. now we're talking six figures of student loans. it used to be easy to buy a quarter and now it's going up a couple million. so we're looking at a promise that allows us to be able to enjoy the things that previous generations have. >> what i'm saying, though, is we had a bad deal, and we had to fight for it, which i think is healthy. i think we can't be satisfied, john. >> sure. there are a lot of debates and there have been for a long time. what is fascinating is in the history of post-war or post-world war ii america,

when you look at gen-xers, the next group of people, now your debts are paid off and now you're chuggingwant people to do is put in 15%, maybe 20% of your earnings into retirement, again, to the best of your ability. the federal limit is $19,000. i know a lot of people are not going to do that, but we've got to try, and a lot of people who are boomers -- en-xers are saying i want to pay down my mortgage. don't pay down your more. ve for retirement first and then comes the mortgage, and finally for those people who are nearing retirement, we look at those baby boomers, run your numbers. there is a great calculator. it's called the ebri. choose to save calculator. it is amazing, run the numbers and see where you stand and then do a gold locks scenario. don't have too much risk in your portfolio, but don't have too little risk and be sure to go to ssa.gov and be familiar with your retirement benefits through social security. >> okay. runt numbers. >> run the numbers. >> thank you, jill. >>> ahead at our talk at the table, how old is too old to live at home with your parents? i'm talking to

it is true for millenials, gen xers.act is the world has been changing, and we need to catch up. , bute are living longer health-care costs more. that means that, if you live longer, you have to think about working longer, you have to think about saving more, in thetion, it looks like stock market returns in the future are very likely not as great as the ones from the past. and so, that means that the dollars you set aside today are actually -- you cannot count on them as earning as much as the dollars that their parents or their employers set aside. the last change that really matters is that we have moved from a society in which the dominant form of retirement was a pension, in which you and i did not worry about our retirement, the employer did. the employer had to make sure that there was enough money set aside and that you had a paycheck for life. now we are in a world in which most of us, although there are still 70 million people who have have ton, most of us decide how much to set aside, most of us how to decide