[quote=bearishgurl]we didn’t have them one after another in immediate succession (at least not planned), like I see multiple families headed by millenials do. We couldn’t because FT daycare for 2+ kids at a time (without assistance from relatives) took up too much of a chunk of our paychecks. [/quote] This is more dribble with no fact checking. It might be true, and it might relate to your personal opinion. It makes you sound like you think we are a bunch of irresponsible kids who don’t have fiscal sense. Personally I know a lot of people who space them out, but I think that’s more of a personal choice. I spend a lot of money a month >$4k on schooling and day care, but again I don’t want to be 65 and paying for college.

[quote=bearishgurl]
I don’t know any boomers who are heavily indebted (secured or unsecured) and thus would need to keep working FT to pay off debt.[/quote]

I don’t think I ever said it was to pay off debt. My first assumption would be that most people at that age would/should have little debt and will be using their 401k to maintain their existing lifestyle with pension/ss included.