The fact is that Millennials are a very different population co-hort than Gen X or Boomers. They are more diverse, marry later, have children later and use technology differently than other age groups. If retailers ignore this difference, their strategies may be out-of-synch with this segment, once they enter their key spending years. They may not have as much disposable income now, but once they do, retailers should be ready with strategies that understand and cater to them.