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.

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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