that is written in stone for everybody just about. hold on a second. susan li is with us.t matter. 21% of americans don't have any retirement funds, whatsoever. 21%, doesn't matter if you're a millenial. ashley: thought it was more than that. stuart: that wasn't my question. do you want to retire at 61? >> i would love to retire at 61. what does retirement mean though? would i do something else? yes, probably. maybe starting my own business. stuart: sitting in a rocking chair or playing golf. ashley: why golf? stuart: jonathan, go. >> i think frankly, stuart i think that carries back to a lot what we're dealing with in today's economy. a lot of retires today are trying to live on fixed income. that is what retirement is. you're essentially live off the savings, plan for the future. with prospect of rising inflation, i hate, i know people don't want to hear about it, trade war, tariff war with prices going up, that means those retirement dreams, to paul's point, more difficult to attain. stuart: as for you as well. another millenial story, jonathan. a third of millenials di