Is it convenient to talk at the moment? http://thumbzilla.fun/ thumbzila What is happening here? Is there a generational shift in savings tendencies, or is it simply an example of myopic vision in which people don't think about saving for retirement when it seems so far in the future? There is some evidence of a generational shift. Members of older generations are more likely to have retirement accounts. They are also more likely to have a longer time horizon for their investments than younger individuals.