text:  Ironically, Gen Xers came of age during boom times. The late 80s and 90s were prosperous with low inflation and unemployment. And that's when everything was hunky-dory and it was a Goldilocks zone. Andrew Herzog is a certified financial planner at the Watchman Group. So they possibly got too accustomed to things being too good and saying, hey, you know, if I just put a little bit of money in the stock market, I'll get 10%, 12%, no problem. And perhaps they were, you know, misled.