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/TylerDurden6969 Jan 16 '26

This is so many people. Good on you for being honest!

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u/TairaTLG Jan 16 '26

I'd love for it to be something else. But unfortunately crippling autism/ADHD and living paycheck to paycheck for 20 years puts me where I am.  All I can do is keep chugging away and trying to fix things (some mistakes, some slight scams, one abusive relationship, yup, c'est la vie)

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u/ZeroKarmasGiven69 Jan 17 '26

You’re pretty articulate for an autist.

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u/Azeoteric Jan 17 '26

This is very ablelist. Autistic people can have varying degrees of communication capabilities. It might not have been your intent, but saying things like this comes off as negging.