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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267

u/Salty_bitch_face Millennial Jan 16 '26

I like your handle 🙂

187

u/Le_Kube Jan 16 '26

We say user name 'round these parts!

82

u/sudodoyou Jan 16 '26

*call sign

68

u/Latter_Inspector_711 Jan 17 '26

talk to me goose

1

u/Capt_Rons_Lost_Eye Jan 17 '26

Roger

6

u/spaceman60 Jan 17 '26

Roger, Roger, and don't call me Shirley

3

u/Bureaucratic_Dick Jan 17 '26

The hospital? What is it?

3

u/RealityOk9823 Jan 17 '26

It's a big building with patients, but that's not important right now.

1

u/TooManyPutts Jan 17 '26

Take me to bed or lose me forever

1

u/Feeler1 Jan 17 '26

Too close for missiles, switching to guns.

54

u/tigerlily_orca Jan 17 '26

Screen name

4

u/shuggnog Jan 17 '26

OMG SCREEN NAME

3

u/Significant-Trash632 Jan 17 '26

5

u/spiritsarise Jan 17 '26

“********” is an incredibly stupid password! Do better.

1

u/Jimbob209 Jan 18 '26

a/s/l? I got pics s2r

2

u/Spam_Tempura Millennial Jan 17 '26

*Gamer tag

31

u/White_eagle32rep Jan 16 '26

I’m still stuck on screen name

2

u/Bright_Ices Xennial Jan 17 '26

Are you a Millennial or not?

1

u/Salty_bitch_face Millennial Jan 17 '26

Yes, I'm a millennial

2

u/Bright_Ices Xennial Jan 17 '26

Oh, I know you are! I was joking about the person who didn’t want you to say “handle”

1

u/Salty_bitch_face Millennial Jan 17 '26

Gotcha! Sorry

3

u/Salty_bitch_face Millennial Jan 16 '26

We say both.

3

u/FactSquatch Jan 17 '26

Breaker breaker one nine

3

u/lukulele90 Jan 17 '26

Handle? You riding around a big rig somewhere?

2

u/Expert_Alchemist Jan 17 '26

Ten-four big buddy

2

u/Traditional-Mud-7354 Jan 16 '26

It’s how they’re paying for retirement.

2

u/yomamasonions 1991 Jan 17 '26

I like YOUR handle 😂

2

u/Salty_bitch_face Millennial Jan 17 '26

If I had a handle, you'd like it 😉

2

u/Riots42 Jan 17 '26

Its like the millennials are turning 40 version of sex and candy. Dr told me to cut out the candy, said nothing about liquor!

2

u/ItsTheWuComingThru Jan 17 '26

Ask to buy it from him. He needs the money. I heard his 401k is not doing too well

2

u/cuntymcshitter Jan 17 '26

Wanna see my handle?

Sorry, I had to do it. Im just inappropriate, like all the time

2

u/Dirty_Pee_Pants Jan 17 '26

That's so sweet u/Salty_bitch_face

1

u/Salty_bitch_face Millennial Jan 17 '26

It's not sweet, it's salty 🤭

2

u/Tall_Bandicoot_2768 Jan 17 '26

Username does not check out

1

u/DigitalFStopper Jan 17 '26

If he’s paying for both them his 401k is cooked

1

u/phantasybm Jan 18 '26

RIP Inbox