与婴儿潮一代相比，401（k）轮班使X世代的退休储蓄较低。 401(k) shift leaves Generation X with lower retirement savings compared to baby boomers.

由于从传统的养老金转向401k,X世代在接近退休时面临财务挑战,他们负责退休计划. Generation X faces financial challenges as they approach retirement due to the shift from traditional pensions to 401(k)s, leaving them responsible for retirement planning. 最近数据显示,Gen Xers的45至54岁家庭平均净值在2022年约为250 000美元,比2007年同龄婴儿潮发作者低7%。 Recent data shows Gen Xers' median household net worth between ages 45 and 54 was approximately $250,000 in 2022, 7% lower than baby boomers of the same age in 2007. 退休储蓄差距可能需要重大的政策变革,以确保为子孙后代提供充足的财政支助。 The retirement savings gap may require significant policy changes to ensure adequate financial support for future generations.