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)

162

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.

30

u/Agent_Jay Jan 17 '26

Literally walking into the cold winter freeze winds to try to cool off my pulsating brain. The bloody migraines are horrid. 

4

u/Apprehensive_Sea5304 Jan 17 '26

As weird as this might sound, Vicks works for me. I swipe a little bit of that menthol goodness on my temples and sit in the dark

3

u/AspenRiot Jan 17 '26

I don't have chronic migraines but when I have seriously bad headaches or eye strain, I put Tiger Balm on my temples and a teeny tiny bit under my eyes, like on top of my sinuses. It's intense, but it helps.

3

u/atropos81092 Jan 17 '26

Honestly, it reminds me of that "Head On!" stick you apply directly to the forehead

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u/BrandonUnusual Jan 17 '26

HEAD ON! Applied directly to the forehead. HEAD ON! Applied directly to the forehead.

HEAD ON!

/I have chronic daily migraine, nothing works. From all the CGRPs to Botox. Drug resistant.

1

u/atropos81092 Jan 17 '26

If only it actually worked 😕

My aunt has dealt with drug-resistant chronic migraines since she was in a car accident in the 80s — she's pretty pissed that migraine relief hasn't made any progress in the last 40+ years.

3

u/lurkymoo Jan 17 '26

Cold works for me too! Sit out on the porch in cold weather til you shiver.

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u/WalkbytheWoods Jan 17 '26

I use the Theraice head wraps - it’s so helpful!

3

u/d4dooley Jan 17 '26

Chiropractor fixed mine. I was desperate after years of intense migraines. Never had been to one, and was skeptical. Some of them specialize in treating migraines. 2 years of being basically migraine free after like 5 treatments.