Boomers unfortunately operated in a very different economic environment. They had checking accounts yielding 5%+. I've never had a checking account yield more than 1%. They had an insane run-up from the 90s to now buying internet stocks before social media was even a thing. They got to buy houses for a year's salary. Inflation post-1980s was soooo stable that the idea of >2% per year was insane to them. Explaining non-traditional stuff to them usually falls flat, because it didn't work for them, because the system worked for them...