"If your boss was going to give you a 3 percent raise, you would take it," says Oakley.
Though millennials may rightly be concerned about their retirements, that doesn't mean the rest of the population isn't. Retirement ages will likely slowly inch outward for all Americans, says McBride, not just millennials.
"I would say that somebody 45 today is going to retire later than their parents just because of the decreased prevalence of pensions, the uncertain future of social security, longer life spans, the higher cost of health care, and anemic rates of retirement savings," says McBride. "This is not something that's confined to millennials by any means."