As the federal government explores plans to raise the retirement age, the Russian Central Bank is warning in a new report that Millennials’ poor saving habits could imperil the country’s pension system.

The bank’s new study says Russians born in the 1980s and 1990s have demonstrated a lack of interest in their financial future, spending money on instant gratification and turning increasingly to the sharing economy. The generation’s “Uberization,” the bank says, could lead to a rejection of the need to own property.