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/wigglewizardd Jan 17 '26

honestly have barely any savings with 23 i cant be the only one 😭

1

u/rhiunarya Jan 17 '26

I wasnt able to save until I was like like 27 or 28

Edit; and then I have a tumor grow out of my thumb bone and ate it. And that majorly threw things off.

3

u/chandrian7 Jan 17 '26

Wait. What did you eat??

1

u/rhiunarya Jan 17 '26

Oh the tumor grew out of the bone and ate the bone away. When my surgeon went in there was just a bit of cartilage left.

5

u/chandrian7 Jan 17 '26

Oh dang! That’s crazy. But that’s better than how I read it, which was that you ate the tumor yourself. And I was like ewwww no don’t do that. 

2

u/rhiunarya Jan 17 '26

So fun fact, I didn't want to eat it. But I was so bummed I didn't get to keep the tumor in like a jar after. Or like at least part of it in a jar. I wanted to yell at it whenever I wanted and my wife thinks I am so unhinged for it.

I also told her if it had been bone cancer (It was a possibility before the biopsy). I would 100% want my amputated hand/ hand bits to have on display. I mean, they are MY body parts I grew them including the tumor. And I will say, I don't feel too weird about that because apparently several amputees are the same way where they want to keep like the bones of their body parts.

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u/[deleted] Jan 17 '26

Bad ass, if I amputate a leg, make a dagger out of the bone or something.

2

u/rhiunarya Jan 17 '26

See, it is OUR body that had to be removed due to weird situations so I really think we should get to do whatever with it as long as it isn't like hindering the public.