No matter how old you are, the chances of you having a harder time pulling off the financial plans of your dreams are very low. In fact, much lower than your parents ever had. And I think it’s safe to say that this generation didn’t care too much about planning and properly saving finances for retirement.

On top of that, all the latest fundamental changes in American life made things much more difficult for nowadays generation to achieve a simple and comfortable life after work. Here are some of the most important reasons why the last years have been worse than ever, and what’s there to do to bolster your own retirement!