Looking into the future, I'm a bit nervous with how this is all going to play out. I'm assuming millennials don't want to work the rest of their life, but when 62% of are on track to have $0.00 saved up for retirement..... ummmm.... that is going to be awkward! In all seriousness though, you better get a plan that actually works and stop trying to justify the poor decisions that are apparently being made. No one is perfect, but having something hit you between the eyes ,and then continuing to do it anyway is where my compassion card flies out the window! Time to do some learning from other people's "choices".