From the graph, and some of the article, it seems 35 and under aren’t doing worse, they are better off than they used to be. It’s just that the boomers are doing even better, because they were the first generation to have 401ks to invest in.

It’s no secret that investments are going to grow more the older and later they get. The last 5 years of your 401k investment is going to be much more impressive than your first 5 years. That’s simple compound interest, which the current under 35s will see in a few decades, when the new under 35 generation is complaining about how good that group had it.

I’m in my mid-40s and am now starting to see the benefits of compounding over the last 20 years of working and investing into my 401k. These things take time.