Why are millennials are more engaged with 401ks than other age groups? Did employer pension plans provide more financial security than 401ks? If yes, why? What savings challenges do millennials have they their parents did not face? What role do student loans play in these challenges? Did the dot-com crash and Great Recession impact early earnings and savings momentum for millennials? Do millennials have certain retirement saving advantages that their parents did not have? Did the pandemic-era student loan pause enable some millennials to boost their savings? When should millennials begin planning and saving for retirement? Please provide a few retirement savings tips.

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