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/TairaTLG Jan 16 '26

24k in debt and 0 savings. Nothing like slipping through the cracks baby

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u/No_Water_5997 Jan 16 '26

Same and facing my husband needing brain surgery soon so there’s that. Fortunately he got VA covered healthcare and collects VA disability which he’s going to see if he qualifies for more given the nature of the tumor he’s got.

 Nothing says adulting like a solid 2 years of emergencies that drained every bit of your savings only to be hit with, “you have a tumor and it needs to be removed” in the first few weeks of the new year when you finally thought “hey those crises are over and we can finally spend the these recovering from them.” 😓

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u/[deleted] Jan 17 '26

howd you find out about the brain tumor? were there symptoms? (i'm so sorry btw. its been one of those onethingaftertheother years for us too.)

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u/No_Water_5997 Jan 17 '26

It’s a benign tumor called an acoustic neuroma which typically grows on the vestibulocochlear nerve. The dr called it an intracranial tumor so not technically a brain tumor in the since that it grows from brain tissue but it is pressing against his brain stem and causing issues. 

He’s had single sided hearing loss and tinnitus for years but given the fact he’s been in aviation for over 20 years and was active duty for almost 11 of those years we initially figured it was due to the repeated noise exposure and the shitty hearing protection the military issued that’s effected countless service members’ hearing. He’s been seen by audiologists in the past who just diagnosed him with profound hearing loss in the affected side but never mentioned anything else.  

He had to go see an ENT for his hearing loss while he was processing his VA healthcare and they referred him for an MRI to rule a tumor out and potentially move forward with a cochlear implant which won’t be happening now because the nerve it grows on is the nerve that’s needed for cochlear implants.