I’m an elder millennial and retirement is something I stress over, not something I look forward to. I’m maxing out my 401k now but my savings are still behind where I need it to be to retire on time because I graduated into the recession and it took me awhile to get a job with a 401k. Plus I saw an article saying I need to save even MORE if I don’t own a home (I don’t, and homes where I live are way out of my reach) and I genuinely have no idea how I’m going to do that. So I’m sitting here trying to cut costs so I can afford this mirage retirement that I might not even live long enough to take. It used to be your employer gave you a pension, but those went away (seriously screwing people who were relying on them) and now it’s on individuals to scrape together savings our whole lives in the hopes of having some years without work, and if we run out before we die it’s like ‘well you should’ve planned better when you were young’