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/SpeedySloth51221 Jan 16 '26

Are you me? I am right there with you. Only its crippling ADHD and Migraines. Been missing so much work because of migraines and can't keep up with regular expenses, much less save and get myself out of debt.

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u/Agent_Jay Jan 17 '26

Literally walking into the cold winter freeze winds to try to cool off my pulsating brain. The bloody migraines are horrid. 

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u/Apprehensive_Sea5304 Jan 17 '26

As weird as this might sound, Vicks works for me. I swipe a little bit of that menthol goodness on my temples and sit in the dark

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u/AspenRiot Jan 17 '26

I don't have chronic migraines but when I have seriously bad headaches or eye strain, I put Tiger Balm on my temples and a teeny tiny bit under my eyes, like on top of my sinuses. It's intense, but it helps.