…much of the hand-wringing over Millennials—how we’re delaying adulthood because the Great Recession and the subsequent credit crunch made it harder for us to find financial independence and take out loans to buy cars and houses and start families—is really hand-wringing over the state of our country as a whole. Because the financial crisis and a decade of stagnating wages didn’t just have an effect on a generation of young workers—it had an affect on an entire country of workers. Federal Reserve data shows that 59 percent of households headed by people 65 and older currently have no retirement account assets. Perhaps it’s not young people we should be worried about right now.