If you’re a millennial, chances are you’ve had a thought or two about retirement planning. No longer the up-and-coming generation, those born between 1981 and 1996 are here and now. “Here” is in an uncertain economy where homeownership is territory only the oldest in this age range might have ventured into, with the average age of first-time home buyers being over 40. And “now,” for many millennials, is “20-something” years to retirement or longer. While the retirement age is officially considered 65, you’ ...