Under 35 and saving for retirement? Here’s how much your peers actually have stashed away

Only half of Americans under 35 have retirement savings in 2022. Median balances reach $18,800. Young adults face student loans, rent, and low starting incomes. Time is their greatest advantage for compounding. Contributions as small as $30 monthly grow over decades. Employer 401(k) matches remain underused. Early habits now can secure stronger financial futures.