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Melissa Jenkins sits with her mother Diana, right, on her childhood bed. Melissa moved back home to live with her parents to find work after graduating college. (AP Photo/Greg M. Cooper)

Pity the poor millennials. Laden with student debt, unable to find jobs — or to find enough of them to make ends meet, many have been reduced to returning home to their parents’ (formerly) empty nests, there to try to figure out a new strategy on how to make their way in the world. But now they have another burden: guilt — for messing up their parents’ retirement plans.

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