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Death and taxes.

The saying goes that those are the two things that are absolutely certain in life, but for death and taxes, you have to have life, and life starts at a very specific moment. This moment, the time when a person's life begins.

Now, we often strive to define our place the time when a person's life begins.

Now, we often strive to define our place in the world,

but we neglect to realize the importance of our time in the world.

Say for example, baby rumors, whose time started between 1946 and 1964, they would have

completely different set of opportunities and risks when compared to, say, millennials who were born

between 1977 and 1995.

Everything from education, technology, job opportunities, wealth accumulation, pension benefits,

all will vary greatly when comparing generational demographics.

Neil Howe, the author of the fourth turning and the person who literally coined the term

millennials walks us through some of the insights that come from analyzing demographic cycles,

and looks ahead at what our current demographic phase tells us about the future of economics, politics, and society as a whole.

One attribute of millennials is they don't mind being dependent on other people

in a way that's constantly shocking Xers and boomers.

Yeah.

We have to have saved to the cloud,

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