The very premise of this thread is flawed. As another poster already hinted there is no reason one can not fund their B Fund in 2020 to the same level expected prior to COVID, and the same will be true for 2021. Not to mention that $20k compounded over 15 years at 6% is only $50k. Your choice of investment advisor is way more important as is whether or not you started saving at a young age. Trying to hang shame and blame on junior pilots for a perceived shortfall in retirement is simply absurd.