“How this millennial saved $1 million by age 30,” The Washington Post writes. “A Millennial Saved $100,000 With This Simple Habit,” CNBC insists. “How to save for retirement when you're living paycheck to paycheck,” CNN confides in us. Everywhere in American media we are told if only we engaged in simple, no-nonsense discipline we can retire at 35.

“How this millennial saved $1 million by age 30,” The Washington Post writes. “A Millennial Saved $100,000 With This Simple Habit,” CNBC insists. “How to save for retirement when you're living paycheck to paycheck,” CNN confides in us. Everywhere in American media we are told if only we engaged in simple, no-nonsense discipline we can retire at 35.