Millennials are facing a double whammythat keeps them from putting away enough money on which toretire—not only are they carrying around a load of student debt,but they’re not willing to sacrifice current pleasures to ensurethe future will be comfortable.

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Read: Student loan debt competes with retirementsaving

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That’s according to a survey from Schwab Retirement PlanServices, which found that 44 percent are not saving more becausethey want to treat themselves to things like occasional dinners outand vacations.

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Just 34 percent of Gen Xers said that, and even fewerbaby boomers—only 29 percent.

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In addition, more than a third of millennials (37 percent) can’tset aside more money for retirement because they’re buried instudent loan payments.

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They also don’t want to ask for help from financialprofessionals—only 22 percent said they were likely todo so, and just 7 percent are already getting financialadvice—despite the fact that 49 percent admit that they don’t knowwhat their best investment options are and only 34 percent say theyare extremely or very confident in their ability to make the best401(k) investment decisions on their own.

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Now, about those Gen Xers. It’s not all about sacrificingquality-of-life fribbles in their failure to save enough forretirement; 32 percent are trying to save for their kids’education, and that takes a chunk out of the budget.

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But, those factors aside, they’re just not as focused as theyshould be on retirement goals.

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Just 58 percent know how much they need to have saved for acomfortable retirement, and only 53 percent believe they are savingenough to retire when they want to.

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In addition, Gen Xers are those most likely to have taken a loanfrom their 401(k): 31 percent have done so, compared to just 13percent of millennials and 29 percent of boomers.

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Boomers can be pretty pessimistic, despite 63 percent believingthat they’re saving enough to retire when they want to. Only 65percent believe that they’ll be comfortably retired in 15 years; 22percent say they’ll be retired, but not comfortably.

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Read: Retirement fears keep a third of Americansawake

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And 61 percent are worried about being healthy enough to enjoytheir retirement, compared with 39 percent who are worried abouthaving enough money to enjoy it.

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