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Millennial but I've been doing this for the last 4-5 years at this point
Wait, do you actually have retirement savings?
I'm on the leading edge of millennial and my retirement plan is to die.
My job has a 401k I was putting into when I started 12 years ago and they allow to borrow against it so I've had to do that to survive for a while now. Whenever I inevitably get fired or leave my job I'm gonna take the opportunity to just cash out and take the huge tax hit because I find it highly unlikely that I'll make it to actual retirement age at this point.
Oh, you'll make it to retirement age, you just won't be able to retire at that age, or ever.
That's what I expect at least.
I figure that I'll be able to retire when I have my house, and all other debts paid off in full, and I'm collecting my government pension (we have a national program here in Canada). And that assumes that the pension payments can cover my day to day and month to month expenses, which, at this point, with inflation the way it's going, I have absolutely zero confidence that it will be enough.
So I keep working and working, and creating value for shareholders.