jen mishory, how much are they thinking about retirement this generation? >> yeah, young people are thinking about retirement today. when young people, for example, have access to a retirement account, they are actually saving at a relatively consistent rate. the problem is we're not seeing young people accessing things like retirement accounts at the same rate. so only about half of workers have access to that kind of traditional retirement account. young people, 25% of young people are part-time workers, so you're seeing fewer and fewer young workers having access to those kinds of mechanisms to actually save and at the same time struggling with things like student debt coming out of this recession. so we're looking at a problem around wealth accumulation. >> woodruff: sounds like a very mixed picture. >> yeah. >> woodruff: david john, what would you add to that in terms of how much they're thinking about retirement, why they aren't or why they can't and why they want to in. >> well, one of the things is millennials have learned from what happened to thei