A Stanford behavioral strategist on three opportune moments to save money

Every now and then, a media story will propose another wild or surprising reason that millennials aren’t saving for retirement. Whatever the spin, the common underlying theme is that millennials feel doomed by the circumstances of their time, which is fair enough. The pressures of student loan debt, stagnant wages, and job insecurity have led young people to feel that buying a home or saving for retirement are not real options.