This photo taken Aug. 6, 2013 shows Brad Karsh of JB Training Solutions speaking to a group of generation X'ers at the Hu-Friedy Manufacturing Co. in Chicago. (AP Photo/M. Spencer Green)

June 9 (Bloomberg) — Vera Johnson from Seattle is barely making do, let alone saving for retirement.

“I try to remain in the present moment and not live in fear of the future,” said Johnson, who has neither retirement savings nor a college fund for her two children. “My property is underwater, the properties around me are underwater, I’m not building equity in my home.”

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