In class, I mentioned the Transamerica Center for Retirement Studies Survey 2021 with its portrait of four generations. A positive risk management trend! reference is that baby boomers have saved more for retirement and will transfer that wealth to their generation X. generation Zor millennial children from a retirement security perspective, generation Z is good at saving for retirement compared to other generations and millennials are more likely to retain the retirement risk through retirement accounts than baby boomers, who have transferred the risk by relying on Social Security for retirement security while baby boomers have had to work longer than many expected due to the increase in the full retirement age during their working years, generation Z. generation X and millennials can program for retirement knowing that the full retirement age is 67 while many baby boomers had their employers change from defined benefit to defined contribution plans mid-career, generation 2. generation X and millennials have had defined benent plans throughout their careers Drawing