Most jobs 401k have standard offerings, or use a IRA venue with your bank. Any safe investment is better than none, so get on it today!

I agree. It sounds like (s)he’s making sacrifices, something a lot of people don’t know how to do. My husband and I went through it… we actually joined the Army, got money for college, always lived under our means (still do) and made the best decisions with the information we had available. But now we own two houses outright and have a good retirement in place. We enjoy life but we made sacrifices, and they paid off. And even though our daughter grew up what some would call “privileged” she’s super thrifty and money conscious, independent and making sacrifices for her future. Keep on keeping on!

I hope you all realize that this is the same complaint one generation has against the next… nothing new here. The same issues are repeated just with different players in different circumstances. The only significant difference is that now social media blows everything out of proportion. Don’t get sucked into it.