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Although many millennials got an early start on saving while in their mid-20s, they are likely to spend less time managing their personal finances and investments in retirement. The saving and retirement habits of millennials differ not only from those of other generations but also from their peers.

Charles Schwab’s 2022 Retirement Reimagined study predicts that millennials likely will fall into four distinct retirement personas by 2050, when a large portion of them are shifting to retirement:

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