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Its important to understand the factors that have contributed to this gap with other generations.

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Keep reading for a closer look atsome of the causes behind the lag.

But for Gen Xers, its a reality.

This is a trend that Ebersole has seen as well.

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Pensions have mostly gone away, said Schmitz.

If you ask her, its not an easy task.

Its a win/win, and you wont know unless you ask, she said.

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