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Gen X reveals their retirement plan but it's not one you'll find in a finance news segment

Turns out traditional retirement may have ended with boomers.

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Gen X reveals their retirement plan, it's not found in financial news

Retirement is something just about everyone looks forward to once they cruise into middle age. Daydreams about spending your days on the beach sipping a frozen drink under a cabana while the sound of the waves washes away any left over worries. Sounds lovely, doesn't it, but not everyone gets to live that retirement dream. "Feel good" videos of strangers helping an elderly stranger retire through a GoFundMe campaign cycle through the social media sphere ever three to five business months.

But Gen X has a plan that they consider foolproof. The children of baby boomers don't have company pensions to fall back on as a whole like many from previous generations so they've had to come up with something on their own. Currently, financial analysts explain that in order to retire someone needs to have 10-12 years of their annual income stacked in their bank account before they hit the retirement button. That means if you currently make $100,000 per year, you should have over $1 million in the bank but people also need to account for cost of living increases.

gen x; retirement; gen x retirement; gen xers; retirement planning; saving for retirementCouple enjoys a serene sail on a sunny day.Photo credit: Canva

Saving for retirement starts early for those in the position to save, since experts advise that people should already have up to four times their annual salary in savings by the time they're 40 years old. Many in Gen X don't have 4 to 6 times their annual income in their account, in fact a large sector of this generation are still living paycheck to paycheck with little money in their savings accounts. This reality plays into the tongue-in-cheek but very serious Gen X retirement plan and it's not one you'll find in the finance section of a newspaper or magazine. Simply put, Gen X plans to die.

We're not talking about they are all planning to drink special Kool-aid or anything, they just plan to work until their body's give out and they die. The sentiment is something that people joked about on social media often using a viral sound attached to a video of a woman walking to her desk.

gen x; retirement; gen x retirement; gen xers; retirement planning; saving for retirementFloating in bliss on a sunny pool day.Photo credit: Canva

"So I am obviously Gen X and my retirement plan is to pass away, so I'm not sure how many other Gen X people have that as their retirement goal but I know that I will be working one day and fall over dead," the woman says.

The comment section on the video was full of people agreeing that they had the same retirement plan with a few exceptions, like the person that writes, "Norway prison is by far the best that I have looked at for retirement."

@fnpkpc Can we protest for a 32 hour work week and higher pay??? #healthcare #nursepractitioner #medicaltiktok #genx #work #retirement ♬ original sound - the Junque Love

In another video that uses the same sound, the Corrbette Pasko asks, "are you trying to tell me there's a different option, because I don't understand what that would be. They don't want to give me money when I'm alive and working, if I stop working who's going to give me...like what do you think I'm going to do, buy a boat? With what? I tried planting a money tree in the back and it...okay, I didn't put any seeds in the ground. I just yelled and screamed and cried a bunch and stomped and I thought maybe, but no."

Upworthy spoke with Gen Xer John S. Blake about the retirement plan for their generation and why they think many are not prepared. They explain, "First, I can't only speak for my own personal experiences. For me, schools didn't teach financial awareness: banking, investments, etc. Also, our economy was so easy to navigate because, by the time I was 16, I could work one full-time job, at minimum wage, and still afford an apartment. People were given free health insurance, without having to pay into it, as part of their employment packages. Mass layoffs, high unemployment rates, and job scarcity wasn't a thing. If you needed money, you could get a job in hours. Not months. HOURS!"

@corrbette #stitch with @Kendra There are people who have a different plan? I. How? #GenX #retirement ♬ original sound - Corrbette Pasko

Blake also shares that many in Gen X had a rough start with the epidemics of drugs, AIDS and high incarceration rates as the government attempted to crack down on drug users. According to Blake this left a lot of mothers as sole providers for their families which left little room for any at home financial education, which only later contributed the issues some face now. But Blake isn't without hope, while they admit if they had all of the answers they'd be retired, the Gen Xer says he follows specific social media accounts for financial advice.

"There are so many social media profiles that teach sincere financial awareness. One of my favorites is @Vivian "Your Rich BFF". She breaks down financial literacy in a way that is palatable for those of us, like me, who still understand very little. Plus for those of us who feel guilty and ashamed to finally put ourselves first, I would suggest looking into Dr. Raquel Martin Phd. She's been helping me, one podcast and TikTok post at a time, to allow myself some grace," Blake tells Upworthy.

@dawnrenee_70 #stitch with @thejunquelove #genx #retirement #plan #broke #funny #lifehack ♬ original sound - ꧁✿ᗪᗩᗯᑎ✿꧂💙

While there jokes being made about not being able to retire, with Dawn Renee saying she will need to die and have her funeral during her lunch break because she can't afford to do it any other time, experts try to calm fears. They suggest that you can still retire by downsizing your home, tightening your budget to spend as little as possible, and retire gradually. Thrivenet reports that 30% of Americans plan to take the gradual retirement route while 5% of Americans don't plan to retire at all, pretty sure Gen X is most of that 5 percent.

No matter if you have $20 in savings or $200K, retirement is likely on your mind and Gen Xers are here to let you know that you're not alone if you plan to continue working for the rest of your life.

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Pop Culture

Gen Zer shares 5 incredible things that happened after quitting social media 4 years ago

"You cherish your day-to-day life."

via Canva/Photos

A teenage girl stares at her phone at night.

Quynh Van, 26, a UX designer based in Minneapolis, Minnesota, gave herself the ultimate challenge for a Gen Zer four years ago: she vowed to quit social media. Now, she has returned to social media on TikTok to share the big difference the sabbatical made in her life.

"I quit social media four years ago, and it completely changed my life," Van said in the video. "For background, I deleted everything—Instagram, Twitter, everything—back in the beginning of 2021. It is now 2025, and I just started TikTok a month ago, and this is the only social media I have."

In a video that has received over 800,000 views, she shares the massive impact that leaving social media had on her life.

What does it feel like to quit social media?

@quynhxvan

one of the best decisions I’ve made #slowliving #digitaldetox #selfgrowth #selfdevelopment #mentalhealth #tiktokdiary #advice #selfimprovement #mindfulness #meditation #peace #peaceful #nature #socialmedia

1. She became her authentic self

“You're just a much more interesting person because you're not consuming what other people are wearing, what they're thinking, what they're saying. And you just have space for your own thoughts. You have space for learning new hobbies, reading new books, reading articles. So you just become much more interesting because you're present in your actual self.”

2. She has more time

“It's just so productive and it's so freeing. Life just stops disappearing into a scroll. My days would feel longer. I would feel more fulfilled. I would fill it with so much stuff. Learning, reflecting, moving. I was actually doing things and I was building a life instead of just watching one go by and like, looking up from my phone and seeing that four hours had passed.”

social media, smartphones, social media addiction, teens smart phones, screentimeSad teenage girl staring at her phone. via Canva/Photos

3. She stopped comparing herself to others

“I just think it's a natural tendency for humans to compare. You're always going to compare value A to value B. That's just a natural human tendency. You don't need to try and shut it down completely. But it's not normal for us to have a window into everyone's lives at all times. I think that has broken our brains a little bit.”

4. She got in touch with her emotions

“You can't inoculate yourself with dopamine hits and avoid the painful emotions anymore with social media. You have to learn to sit in the discomfort. You have to learn to face yourself and learn to sit with your difficult emotions. I wasn't able to escape my feelings anymore and that really changed everything. Made me stronger, it made me more emotionally resilient, and I was able to gain peace in my own head. Like my brain just felt like green. It's a forest of peace. It was amazing.”

social media, smartphones, social media addiction, teens smart phones, screentime, teens phonesA group of teens staring at their phones. via Canva/Photos

5. Better relationships

“You just show up differently, and people can feel that you're more present, you listen better. You're just so in the present that you really see people when you're with them, and they can feel that, and you feel that with yourself. You feel so present with yourself, and you cherish them more because you just cherish your day-to-day life.”

For some, quitting social media may seem impossible. It’s how most people keep up with their friends these days. Further, the platforms are engineered to control our brain chemistry so much that taking a break feels like detoxing from an addictive substance. But Van wants to remind everyone that it’s possible, even when it may not feel that way.

“Honestly, the biggest thing about deleting my social media was knowing that I can live without it,” she said at the end of her video. “At the time, I felt like I couldn't live without it, and now I know that I can and I'm better for it.”

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Pets

Navy sailor's plea for help finding his dog sparks debate when rescue family refuses to give him up

Who has the "right" to keep Archie: His original owner, or the people who cared for him for months?

Canva Photos

The Internet helped a man find his missing dog. But the family who rescued him didn't want to give him up.

Finding good, reliable dog sitting is difficult under normal circumstances. Who can you really trust to take care of your dog? Will they be safe? Will they be scared while you're gone? When you're a soldier in the US military deployed for months at a time, dog-care can turn into an actual nightmare very quickly.

No one knows this better than Paulo Silva, a US Navy soldier who was recently deployed on an aircraft carrier in the Middle East for eight months. While he was away, Silva trusted a relative to watch his five-year-old Golden Retriever and certified bestie, Archie.

When Silva returned home, excited to reunite with his best friend, he was shocked to find the dog gone.

dogs, golden retriever, puppy, soldier, us navy, social media, facebook, viral, heartwarming, love, familyArchie, a 5-year-old golden retriever, became the unwitting subject of a social media custody battle. Photo by Mitchell Luo on Unsplash

“A family member that was well-trusted felt they had no choice but to give away my dog,” Silva told the Asbury Park Press. “At no point was I told about it (before returning home) and I had asked time and time again about him." The relative told Silva that Archie was having trouble settling in, but the decision still came as a massive shock. Worse, Silva's relative couldn't or wouldn't provide him the contact information of the family he'd given Archie to. In interviews, Silva hasn't said much about the reasoning behind these cruel decisions. All he knew was he was scared and left scrambling.

Silva posted a desperate plea to Facebook for anyone with information to contact him. Then social media did what it always seems to do in stories like this one: it delivered.

The post went mega-viral, being shared all across different social and professional networks in the area, and before too long, Silva received tips about where he could find his dog. Not too long after that, Silva and Archie were joyously reunited.

What a perfect happy ending for this feel-good social media story, right? Well, not quite.

It's easy to root for the storybook ending, but there's another family at the other end of the story. For them, it's anything but a fairy tale.


When the tipster first reached out to Silva with Archie's whereabouts, there was one problem: the people who had taken Archie in didn't want to give him up and wouldn't respond to messages.

He had been adopted, apparently freely, by a young woman and her boyfriend when Silva's relative decided to find Archie a new home. In their minds, Archie belonged to them, fair and square, and after months of love and snuggles and care, they had bonded deeply with him. They were sorry for the situation Silva found himself in, but they weren't going to simply "roll over."

Silva then wrote an open letter to Archie's new family, pleading his case.

"This dog isn’t just a pet to me. He is my heart, my companion, and a piece of my soul that helped carry me through some of the hardest times in my life. We’ve been through everything together—before my deployment, during training, and through the toughest emotional battles. That kind of bond is irreplaceable," he wrote.

"I love this dog more than words can express—more than life itself. First, I want to say that I appreciate that you’ve cared for my dog. I have no doubt that you’re good people and that you’ve offered a safe and loving home. But I need you to know that this wasn’t supposed to happen. I was never asked, never informed, and never had the chance to speak up or say goodbye. I left for duty trusting that my dog would be waiting for me when I came home. I’m reaching out publicly not out of anger, but out of heartbreak. I am respectfully asking you to please consider returning my dog to me. I know this isn’t an easy request, and I understand that emotions may be involved on both sides—but I am pleading with you, not just as a veteran, but as someone who lost something deeply precious to them without any choice or voice in the matter."

According to the Asbury Press, Silva was considering legal action if the couple didn't return Archie.

Eventually, the woman and her boyfriend who had adopted Archie decided to return him to Silva. They were heartbroken about the decision.

Even worse, beyond just losing the dog they loved, Jamie Goldstein and her boyfriend were cast as villains in the now-viral story. They began receiving hate messages and public pressure to turn over the dog. While some people threw their support behind the couple's right to keep Archie, many more sent nasty messages and threats.

After they decided to send Archie back to his original home, Goldstein shared an emotional letter of her own on social media.


"He is the sweetest boy and everyone who has met him can attest to it. I love this dog with all my heart," she wrote. "Archie was never stolen, he was given to my boyfriend, we just loved him as our own. ... I can only imagine how Paulo felt when he came back from serving our country & didnt know where sweet Archie was. This feels like a mourning. I miss you so much already, I hope you are safe & getting all the love you deserve, baby Archie. We miss you so much."

Although the couple ultimately did the right thing, it's hard not to feel deeply for them and their loss. Their quick love for Archie was so apparent, and it's unfair that things unfolded the way they did.

As for Silva, he's incredibly grateful for the family that took Archie in and loved him for those many months.

"I do not see them as villains and you shouldn’t either," he wrote in another post. "I know their hearts were in the right place. Thank you both for loving Archie as your own. I will always be grateful for that. I will never stop showing you guys my love and support."

He even offered to arrange an "open door policy" so the couple could visit Archie any time they wanted.

While the story is full of debate and heartbreak, there is one clear winner: Archie. What a lucky pup to be so loved by two different families. If anything, the story speaks volumes about how quickly and powerfully pets can find a place in our hearts. It also ends with mutual kindness, both in the couple returning Archie and Silva handling the conflict with grace. It may not be your typical feel-good social media reunion, but it's got plenty of silver lining.

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Community

Stranger raises $180k for Burger King employee after he works shift still in graduation gear

He cried when he found out the fundraiser reached $6,000.

Mykale Baker GoFundMe

Stranger raises $180k for student working at Burger King

It's not uncommon for high school kids to work fast food jobs after school and on the weekends. Typically, when a student works while still attending high school, they usually take days off for special occasions like homecoming, prom, athletic obligations, and graduation. One student, Mykale Baker, took time off for his high school graduation but decided to head into work while still wearing his medals and graduation stole.

The sight of a clearly recent graduate working the grill at Burger King moved Maria Mendoza, who shared a short clip expressing pride for the teen's work ethic on social media. After some prompting from people who saw the video, she created a GoFundMe to help the hard-working teen pay for college. There were a couple of problems with the plan: Mendoza didn't know the teen personally, she hadn't spoken to him, and thus she wasn't sure if he was even planning to go to college.

Burger King; high school graduation; Mykale Baker GoFundMe; GoFundMe; paying for college; college; kindness of strangersMykale Baker working after graduation.Mykale Baker GoFundMe

That didn't stop the stranger from doing what she could to make sure she helped the new graduate. Mendoza started the GoFundMe and it quickly surpassed it's $5,000 goal so she went back to Burger King a few days later to find the teen and show him how much people donated. At the time, the Georgia teen and his mother were brought to tears at the generosity; the campaign was sitting at just above $6,000 then.

Baker admitted to 11 Alive he wasn't sure what he was going to do after high school due to the lack of funds, but he was contemplating going into a trade. The story has since gone viral, which has resulted in even more donations surpassing the updated goal of $60k in just over a week. It is currently sitting at $187k with more donations pouring in by the minute.

Burger King; high school graduation; Mykale Baker GoFundMe; GoFundMe; paying for college; college; kindness of strangersMykale Baker and Maria Mendoza smilingMykale Baker GoFundMe

Mendoza writes in the fundraiser description, "While many graduates spent the night celebrating with friends and family, one young man quietly showed the world what determination looks like. Just after receiving his diploma—still proudly wearing his medals—he reported to his shift at Burger King. He didn’t do it for attention. He doesn’t even know his story went viral. But thousands of people were moved by his dedication, humility, and work ethic."

The woman attended the high school graduation to see her daughter graduate and like many others, she stopped to get a bite to eat after the ceremony, which is where she spotted Baker. Turns out that the graduate wasn't even scheduled to work. He noticed the late night rush of customers after graduation and wanted to help his work family out by hopping behind the counter to clear the influx of orders. As for how he feels about the kindness he's been shown, he's thankful.

“I just want to say thank you to my parents and all the people that see the good in me and believe in me, and donated all that money to me,” Baker tells 11 Alive.

People who donated left encouraging words and kind wishes for his future with one person writing, "Mykale, Your work ethic and grind is contagious. We are rooting for you and investing in your future. You already have a strong foundation to succeed. I hope you take this opportunity to pursue higher education in a career that will bring you joy and a generous salary. -First Generation College Grad from Fresno, California."

"Congratulations, Mykale! You’re the true inspiration of hard work and dedication. Wishing you a life filled with endless blessings," another says.

Burger King; high school graduation; Mykale Baker GoFundMe; GoFundMe; paying for college; college; kindness of strangersMykale Baker in cap and gownMykale Baker GoFundMe

"What an incredible young man! I am so proud of you and your accomplishments. Hard working and intelligent and kind. May God continue blessing you. You have a bright future ahead. The sky is the limit. Don't settle for anything less than you deserve. Congrats on graduating high school! Good luck to you young king. Your parents must be so proud. They did an outstanding job with you!" someone else shares.

One person shares advice, "I’m proud of you Mykale. There will always be needs around you … and it’s not uncommon that when people get a little money one of two things happen; first, people with needs show up, and second, people may treat you with contempt rather than celebrate with you. Just take these funds and accelerate your future. You already have the drive — just don’t let the critics pull you down at this pivotal moment. You’re going places my friend and I hope to be able to see what God does in your life."

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