Today's 20-somethings face some challenging dilemmas when it comes to saving for retirement.
Not only must they fund their own retirements due to the near evaporation of company pensions, they also are saddled with more student-loan debt, stagnant wages and higher living expenses compared to a generation ago. And at the same time — in another departure from their parents' and grandparents' experience at the same age — they want to ... well, spend more time enjoying life.
"I've seen [young] clients want to take long sabbaticals," said certified financial planner Hui-chin Chen, who is also co-owner of Pavlov Financial Planning. "I had a client who wanted to go sailing around the world and another who wanted to take their children and go live on a farm for a year.