Does propensity for retirement planning differ by generation? A financial planner wants to determine whether Millennial employees are more or less likely, compared to employees affiliated with Gen X or Gen Z, to contribute some portion of their salaries to a 401K plan for retirement savings. The financial planner observes that Millennials and non-Millennials both contribute to 401K plans at a rate of 37%. Thus, in this data set, the variables "Millennial" and "401K contribution" are independent or dependent and is It mutual exclusive or not