MILLENNIALS (UNDER 35)

Millennials, also known as Generation Y, are the demographic cohort following Generation X and preceding Generation Z. Researchers and popular media use the early 1980s as starting birth years and the mid-1990s to early 2000s as ending birth years, with 1981 to 1996 a widely accepted defining range for the generation

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CONSOLIDATING (55 -65)

You are in the last stretch career wise. Your children have left home (and have probably returned). You typically have to pay for tertiary education. The reality of what you are going to live on in retirement is starting to loom large.

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