Blaming low birth rates for millennials' retirement crisis? Come on. That's not even close to being the main issue here. The actual problems—wage stagnation, skyrocketing housing costs, student debt crushing entire paychecks, underfunded pension systems—those are the real culprits. Healthcare expenses alone would tank most retirement plans. Sure, demographics matter for long-term economic models, but slapping the blame on people not having enough kids misses the forest for the trees. Millennials are getting squeezed from every angle, and fertility rates are maybe number six or seven on that list of reasons why retirement's looking like a distant dream for millions.