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.

What’s that again? Yes, many millennials — although certainly not only millennials — are getting financial support of one kind or another from mom and dad, despite the fact that mom and dad should presumably be salting away any spare cash they find against their future retirement.

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