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00:00 – Intro 00:38 – So What Is Peak 65? 02:19 – Why This Matters to Millennials 03:17 – Rising Healthcare + Tax Burden 03:42 – Lower Market Returns 06:02 – A Cautionary Tale 06:40 – What Millennials Can Do: Maximize Employer Plans 07:34 – Use Roth Accounts 08:00 – Be Conservative with Social Security 08:45 – Diversify Your Retirement Income and Build Optionality 11:37 – Bloopers Millions of Baby Boomers are retiring all at once—and it’s reshaping everything from Social Security to your future tax bill. This video breaks down what “Peak 65” means, why it's the biggest retirement shift in U.S. history, and how it could hit millennials the hardest. We’ll cover the ripple effects on healthcare, market returns, and policy—plus the smart moves younger generations can make right now. If you’re planning to retire someday, this is a must-watch. Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: / erintalksmoney Thanks for watching, I appreciate you!