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'I'm not a wealth hoarding boomer - my grandchildren want for nothing'

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Gilda Smith and her husband own their Ayrshire home outright and have lived there for the last four decades .

Median household wealth is five times higher for the baby boomer generation than younger millennials.

But Gilda says her children and grandchildren "want for nothing" and enjoy gadgets and holidays abroad.

She says spending time and money on a stereotypical cruise would be her "worst nightmare".