In my experience, anyone under age 40, for sure.
>According to a new survey from Discover, millennials are outperforming older generations when it comes to saving for their future. In a national study of 2,205 people, Discover finds that 81 percent of millennials are currently saving in some capacity, compared to 74 percent of Generation Xers and 77 percent of baby boomers.
https://www.businesswire.com/news/home/20180110005313/en/Dis...
I couldn't find the percentage of Baby Boomers that are retired, but they certainly (as a generation) are not prepared for retirement. The Baby Boomers are (again, as a generation) incredibly reckless in all facets.
https://www.marketwatch.com/story/where-did-baby-boomers-go-...