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Millennials Explain What Their Retirement Plan Actually Entails

A group of young people looking at a laptop computer.
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Photo by John Schnobrich on Unsplash

Reddit user alphaDsony asked: "Millennials, what's y'all plan for retirement?"

John Curtis
By John CurtisApr 12, 2025
John Curtis
A novelist, picture book writer and native New Yorker, John is a graduate of Syracuse University and the children's media graduate program at Centennial College. When not staring at his computer monitor, you'll most likely find John sipping tea watching British comedies, or in the kitchen, taking a stab at the technical challenge on the most recent episode of 'The Great British Baking Show'.
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By definition, Millennials are currently between the ages of 29 and 39.

As a result, their days of dreaming about what their lives would be like when they become adults are arguably over, and they now have a sense of their career path and family plans.

That doesn't mean they don't often think about their future, including the always touchy subject of retirement.

Specifically, the long and uncertain roads that will lead them there.

Redditor alphaDsony was eager to hear the retirement plans of millennials, leading them to ask:

"Millennials, what's y'all plan for retirement?"

Always saving things till the last minute...

"I'm hoping to get off work in time to attend my funeral."- Creepy_Shelter_94

Possibly Program Clap Automation?

"'I've got a plan. I'm going to turn my on/off switch to off.' - Bender"

An Overdue Moment Of Zen

"Find a nice commune and go die in the woods like a house cat."- LuvinMyThuderGut

Rescue Cats GIF by Made by NachoGiphy

... Well That's Bleak!

"The cliff scene in Midsommar."- ZorchFlorp

Don't You Just Love Half Days?

"Work til noon the day of my funeral."- Bguy9410

Pessimistic or Optimistic?

"I figure there are at least three big economic busts between now and then, so I’m planning to die in a nude beach jet ski shootout."- InvadeTheUSA

below deck water GIF by Endemol BeyondGiphy

Outlive, Outlast...Retire?

"Live longer than everyone else in the family, inherit their stuff, retire five minutes before I die."- princessawesomepants

Giving Back Till The End...

"Save a lot, die before retirement, will my retirement savings to my kids so they have a chance."- HotLittlePotato

Well...

"Literally my retirement age will probably be 10 years after I die."

"My body will be used to prop open a door by the government."- Tashimo


Enter The Void Vector GIF by Jacqueline Jing LinGiphy

Never Heard Of It...

"Retirement? Lol."- YunYunSimp

Sadly Adds Up...

"I did some financial planning and determined I can retire by the time I am 97 and can live for 11 minutes on my savings."- oielj-iusk9732

For Now, Anyway...

"State pension."

"Hopefully sh*t doesn't crash so bad that other streams of income collapse too."

"But if the state pension fund goes away we have way bigger problems than retirement anyway."- leonprimrose

Money Pig GIF by Zurich SchweizGiphy

Everything To The MAX!!!

"Maxing out my Roth IRA, nearly maxing my company's traditional 401k."

"Should be all good by 60 then I can do whatever I want."

"SS would be a nice bonus, but I'm not counting on it."- sinnops


stock market dow GIF by gifnewsGiphy

With multiple recessions, a global pandemic, and AI taking over jobs, millennials haven't had the easiest job market to find steady employment.

Being dependent on the gig economy and with the continued existence of social security now a huge question mark, the question most millennials ponder is less "when" they will retire than "if."

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