Rui Yao, University of Missouri-Columbia (IMAGE) University of Missouri-Columbia Caption Rui Yao, associate professor of personal financial planning at MU, found that only 37.2 percent of working millennials have retirement accounts, demonstrating a need for increased financial education for retirement. Credit MU News Bureau Usage Restrictions None License Licensed content Disclaimer: AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert system.