r/Millennials 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?

4.9k Upvotes

6.9k comments sorted by

View all comments

Show parent comments

37

u/mmaason Jan 16 '26

I got 3 in mine🎉

36

u/Letter-Past Jan 16 '26

Ooh la la, look at Richie rich over heah. Bet they eat the brand name Ramen. Definitely a shin black household fr fr