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The oldest Gen Xers are hitting 60—and their fears about retirement are real. Markowski revisits a warning he gave 30 years ago: don’t count on Social Security. From bad personal finance choices (like cashing out 401(k)s) to Washington’s endless promises, Gen X is stuck in the middle—too young to retire, too old to trust the system. With debates over raising the cap, extending the retirement age, and whether Social Security is just a Ponzi scheme with federal branding, this episode breaks down what’s ahead for the 65 million Americans in Generation X—and why “DIY retirement” may be the only option.