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RegExp("[?&]notifications=1(&|#|$)");"desktop"===y&&i&&b.test(window.location.search)&&(i.checked=!0)};ge("ybar-mod-notification",(function(e){var t={isUH3:"crunch"===e.getConfig().ytheme,notifContainer:document.getElementById("notification-container"),notifBadge:document.getElementById("notif-badge"),notifMenu:document.getElementById("ybarNotificationMenu"),notifMenuOpener:document.querySelector("#ybarNotificationMenu + label"),notifDropdown:document.getElementById("notifDropdownContainer"),tooltipContainer:document.querySelector(".".concat($n)),notifLabel:document.querySelector(".".concat(Xn))};t.notifDropdown&&so(e,t)}))}()}};]]>Debbie CarlsonSun, November 9, 2025 at 2:00 PM GMT+1 5 min readThe oldest members of Generation X are turning 60 this year, but many of them are not confident that their retirements will be just like heaven.Data from Cerulli released in September showed that four out of five Gen X 401(k) participants don’t expect they’ll be able to maintain their current standard of living in retirement, and two-thirds of them have less than $100,000 in individual retirement assets, according to Cerulli. Gen X covers people born between 1965 and 1980, so there’s a wide range of ages, from those turning 60 this year to those who are 45. Education and outreach to this generation, which is known for being independent but also pragmatic, is critical to help them boost their savings. For advisors, working with these individuals can give a needed boost to their retirement readiness, and help provide clients with added value.But it’s important to not treat this generation as a homogenous block, said Marc Fowler, director of retirement education at Human Interest. It’s also necessary to “nuance your strategy, your education outreach, etc., to be able to work not only with the folks who still have 20 years but also work with those folks who are really looking at retirement as a near-term option,” Fowler said.SUBSCRIBE:  Receive more of our free Advisor Upside newsletter. READ ALSO: What Happens When Private Markets Get Opened Up to the Masses? and Selling a Firm? Here’s How To Boost ValuationsStephanie Nanney, partner at Private Vista, who works with plan sponsors, said it’s not surprising that Gen X lacks confidence because cumulative stock market performance between 1998 and 2008, when many had started investing, was negative overall. Being bookended by the dot-com crash and the Great Financial Crisis may have scared them away from contributing to their retirement plan.To combat those fears, Matt Waters, partner and wealth advisor at Prime Capital Financial whose firm also works with plan sponsors, said the No. 1 thing he tells 401(k) investors is “just get started.” If participants are saving but at low levels, he’s found success with encouraging gradual increases, such as increasing savings rates by 1% every time someone gets a raise or bonus, or to mark their calendar to annually remind the person to increase their savings. Gradual increases are easier to handle, rather than touting the industry standard to save 15% to 20% of income, and appeal to Gen Xers’s pragmatic nature. “It’s the small, digestible steps that people can take that don’t hit their cash flow at home so dramatically,” he said.Terms and Privacy PolicyPrivacy & Cookie SettingsMore InfoS&P 5006,832.43 +103.63 (+1.54%)Dow 3047,368.63 +381.53 (+0.81%)Nasdaq23,527.17 +522.64 (+2.27%)Russell 20002,455.65 +22.82 (+0.94%)VIX17.60 -1.48 (-7.76%)Gold4,123.70 +113.90 (+2.84%)PortfolioSign in to access your portfolioSign inTop gainersCOGT Cogent Biosciences, Inc. 32.46 +17.64 (+119.03%)NVTS Navitas Semiconductor Corporation 9.60 +1.76 (+22.45%)OPEN Opendoor Technologies Inc. 7.97 +1.41 (+21.49%)MLYS Mineralys Therapeutics, Inc. 44.50 +6.48 (+17.04%)TSEM Tower Semiconductor Ltd. 98.10 +14.03 (+16.69%)Top losersSGRY Surgery Partners, Inc. 16.04 -5.47 (-25.42%)BTDR Bitdeer Technologies Group 17.65 -4.34 (-19.74%)OSCR Oscar Health, Inc. 14.61 -3.11 (-17.55%)MTSR Metsera, Inc. 70.87 -12.31 (-14.80%)MNDY monday.com Ltd. 166.21 -23.38 (-12.33%)Most activeOPEN Opendoor Technologies Inc. 7.97 +1.41 (+21.49%)PLUG Plug Power Inc. 2.5600 -0.0900 (-3.40%)NVDA NVIDIA Corporation 199.05 +10.90 (+5.79%)PFE Pfizer Inc. 24.39 -0.04 (-0.16%)ONDS Ondas Holdings Inc. 5.88 +0.07 (+1.20%)Earnings eventsMy earnings eventsEarnings eventsTrending tickersRIVN Rivian Automotive, Inc. 16.41 +1.18 (+7.75%)GLTO Galecto, Inc. 17.25 +12.30 (+248.48%)COGT Cogent Biosciences, Inc. 32.46 +17.64 (+119.03%)XRP-USD XRP USD 2.52 +0.18 (+7.75%)AI C3.ai, Inc. 16.08 +0.56 (+3.61%)Top economic events