I was terrible at regular savings and emergencies were always a struggle.
I can tell ya it’s a lot of folks with almost nothing for a check. I just retired and it wasn’t easy all those years but trust me it pays off big time to invest in a TSP, 401K etc especially if the employer matches percentages of the fund.
The market wasn’t good in the O administration nor the current one but most who invested wisely during their 20-25 years with the company with 7-11% of their pay monthly leave with 3-500K. You take that and use let’s say $1200 a month added to that SS of $900 and you see that’s a much big difference in quality of life.
Now add in a retirement from a real company or government and even a modest $5-700 monthly puts you in easy middle class living.
For me at 60 I’m adding on my National Guard retirement with 12 years active service so for most coming outta the Guard it’ll be as much or significantly more than that SS check.
I’m not going to pretend at 20 I had it together and was looking for the light in the tunnel but by 30 and dang sure 40 you best get it together.
$900 a month is nothing and you need a better plan. What I find is so many have jobs but not “careers”. You can bounce from company to company or job to job IF and only IF you get a 401K and maintain it.
PM me and I’ll help you though I’m a crayon eater and not a financial guru. I’ll guide you best I can and tell you I make 3/4 of my pay for going nowhere now. In 3 yrs I’ll make 120% of my pay with my Guard retirement added which will offset regular inflation till I die.