 Colleen Hartnett worked very hard for nearly 20 years running a restaurant. She saved up some cash for retirement, but not enough. So she said, I'll sell my restaurant and use the profits. I hope I don't eat them all up before my life ends. The profits from the sale would put her retirement fund in the pink, so to speak. Her millennial-aged son never helped around the restaurant, never contributed to the household or the business.