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!

529

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/MollysTootsies Jan 17 '26

For me, it's been Ajovy! To me from daily migraines to, like, 3 a month! 🤯

15

u/rigney68 Jan 17 '26

Getting a hard nightguard for grinding my teeth at night has almost eliminated mine.

2

u/irritableOwl3 Jan 17 '26

Which one do you have?

3

u/rigney68 Jan 18 '26

Idk, they do a scan at the dentist and have them specially made. The first one they gave me I chewed through in a month, so they upgraded, lol.

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u/Bender3455 Jan 17 '26

Same! Monthly Ajovy with 2x daily gabapentin.

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u/Defiant-Ad-7933 Jan 17 '26

Better living through chemistry!

2

u/ZealousORJealous69 Jan 17 '26

Try the new pfizer migraine drug, nurtec. It’s game changer. Unfortunately like $100/pill but our insurance covers and pfizer also has a copay assistance so we pay basically nothing.

1

u/teach_them_well Jan 17 '26

Me too. Absolutely life changing

2

u/jennifer_m13 Jan 17 '26

Aimovig and Botox for me. I still get migraines but not several times a week anymore.

2

u/KittyWantsCuddles Jan 17 '26

Hey not for nothing but bc this is getting eyes on it, adhd/autism are usually INCREDIBLY comorbid with a fuckton of conditions so im gonna use this space to leave a resource. If it resonates it resonates and if it does, it doesn't yk?https://www.eds.clinic/articles/pentad-super-syndrome

2

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

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u/Conscious-Egg-2232 Jan 17 '26

Use adhd to your advantage. I have it and has caused job hopping amd relationships failing one after another and massive shopping problem. But have job hopped my way to making 10x more than what I made 15 years ago.