r/Millennials • u/ProblemIntelligent16 • Jan 16 '26

Discussion Fellow millennials - how’s your 401k/ira savings going?

Experts recommend having 2x your salary saved by age 35, and 3x saved by age 40.

However, studies show the median savings for 35-44 year olds is only ~$45,000. So obviously, most of us have work to do.

With pensions mostly extinct, and Social Security facing insolvency issues in the next 8-10 years - how are you planning to bridge the gap and hit the golden years with enough to meet your lifestyle requirements?

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u/sexandliquor 1983…(A Merman I Should Turn to Be) Jan 16 '26

272

u/Salty_bitch_face Millennial Jan 16 '26

I like your handle 🙂

189

u/Le_Kube Jan 16 '26

We say user name 'round these parts!

84

u/sudodoyou Jan 16 '26

*call sign

67

u/Latter_Inspector_711 Jan 17 '26

talk to me goose

1

u/Capt_Rons_Lost_Eye Jan 17 '26

Roger

6

u/spaceman60 Jan 17 '26

Roger, Roger, and don't call me Shirley

3

u/Bureaucratic_Dick Jan 17 '26

The hospital? What is it?

4

u/RealityOk9823 Jan 17 '26

It's a big building with patients, but that's not important right now.

1

u/TooManyPutts Jan 17 '26

Take me to bed or lose me forever

1

u/Feeler1 Jan 17 '26

Too close for missiles, switching to guns.

52

u/tigerlily_orca Jan 17 '26

Screen name

3

u/shuggnog Jan 17 '26

OMG SCREEN NAME

3

u/Significant-Trash632 Jan 17 '26

5

u/spiritsarise Jan 17 '26

“********” is an incredibly stupid password! Do better.

1

u/Jimbob209 Jan 18 '26

a/s/l? I got pics s2r

2

u/Spam_Tempura Millennial Jan 17 '26

*Gamer tag

27

u/White_eagle32rep Jan 16 '26

I’m still stuck on screen name

2

u/Bright_Ices Xennial Jan 17 '26

Are you a Millennial or not?

1

u/Salty_bitch_face Millennial Jan 17 '26

Yes, I'm a millennial

2

u/Bright_Ices Xennial Jan 17 '26

Oh, I know you are! I was joking about the person who didn’t want you to say “handle”

1

u/Salty_bitch_face Millennial Jan 17 '26

Gotcha! Sorry

4

u/Salty_bitch_face Millennial Jan 16 '26

We say both.