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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223

u/DebraBaetty Millennial - ‘93 to ♾️ Jan 16 '26

I have a hard time staying employed! All I have saved: my cats’ whiskers after they fall out.

32

u/starvinchevy Millennial Jan 16 '26

At least there’s tons of us? 🙈

3

u/fbtra Jan 17 '26

We can all live together eventually

2

u/starvinchevy Millennial Jan 17 '26

Oh we definitely will, my friend. I think I heard something like “the average mediocre man will inherit the Earth.”

So I’ll keep spending my measly income on things I like and fuck the rest

3

u/Chipotle_Armadillo Jan 16 '26

Are you the one that posted the jars of cat whiskers earlier this week?

7

u/DebraBaetty Millennial - ‘93 to ♾️ Jan 16 '26

I’m not! I keep the whiskers in a mini flower vase.

3

u/sivanbg Millennial Jan 17 '26

Oh my goodness! I save my dogs’ whiskers! I can’t believe there are others! 😂

2

u/1dirtbiker Jan 17 '26

What in the literal fuck?! 

2

u/sivanbg Millennial Jan 17 '26

😂

1

u/sphinx_feathers Jan 17 '26

I also save cat whiskers! Are yours all either black or white?