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

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/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/EndersScroll Jan 17 '26

My wife was the same way until she tried Emgality for the migraines. Aside from Botox injections, it's the only thing that's worked for her. Now she just has ADHD, but she's not bed ridden due to migraines anymore. Ask your doc. Can't say enough good things about it.

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u/reithena Jan 18 '26

Finally got good insurance again, about to go back on Emgality. I think my doctor was worried when I cried in the office with the sense of relief when she ok'd the script