Millennials (21 – 37 yrs) are the first generation that are financially less well off than our parents with ''lower earnings, fewer assets and less wealth'' (Christopher Kurz, Geng Li and Daniel J Vine- 2018).   As with all generations before, they bear the weight of parental expectation, however the world has altered significantly since our baby boomer parents came of age.

Some millennials have received a financial education of sorts from our parents – how relevant is this information today? No longer do they expect a ‘job for life'.  They are told that the state pension won't cut it and that they need to be conscious of saving from the beginning of their careers.

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