If the 'Eddy minimum' is as cold as Theo thinks it could be; then it will not be a level playing field. Millenials may think that they have been conned and react accordingly. Nothing like food shortages and unexpected cold to concentrate the minds.
"The rules are simple: They lie to us. We know they are lying. They know we know they are lying, but they keep lying to us and we keep pretending to believe them."
This is one of those interminable "in just another few sentences I am going to tell you what this is about" but it does seem to hit some interesting spots for those who are concerned about retaining value in 401K or IRAs