Millennials learned a hard lesson from the Great Recession — not to anticipate an easy path to retirement. As a result, they’re saving at a furious rate, though they’re still not doing a very good job at planning. 

So says the latest research from the Transamerica Center for Retirement Studies, which found that millennials (those born between 1979 and 1996) are already “frequently” talking about retirement (18 percent) more than boomers (9 percent). 

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