 Happy Independence Day. Glad you're with us. Feel like you're behind on retirement savings? You're not alone. Why some millennials are behind on savings and how they can catch up. Here's this morning's Nicole Murray. The generation that may never retire. Why some millennials are behind on savings and what they can do to catch up. Here to discuss, senior investing reporter at Business Insider, William Edwards. Let's start with the basics. How much do you estimate people need to retire comfortably?