Millennials have it tough, what with low-paying jobs, high-level student debt, and an inability to save a whole lot for retirement—or anything else, for that matter.

But many are having such a tough time, moneywise, that they’re back home living with their parents—or never left at all.

The problem with that is, while millennials are saving money by coming, or staying, home to roost, they’re not just cutting their expenses, they’re probably raising their parents’ expenses too—perhaps to the point of endangering the older generation’s retirement.

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