7 Easy Ways to Start Saving for Retirement in Your 20s

What do millennials spend the most on?

Before digging into the little luxuries of it all, let's see what millennial spending habits look like in general! According to Investopedia, millennials are actually more "value-oriented" when they spend money — likely inspired by the 2008 financial crash and other unprecedented, major societal events. Since values are pretty subjective, that spending can translate in myriad of ways...including "doom spending" — or mindlessly shopping "to self-soothe because they feel pessimistic about the economy and their future" — according to CNBC.

The New York Times reported, "Millennials and Gen Z are more likely than older generations to make spending on a hobby or nonessential purchases a priority." This furthers the fact that instead of always spending towards a goal or an inherent need, millennials are looking for something more with their purchasing power. Opinions on these habits may vary, but one thing remains true: millennials want to use the money they do have to make their lives better.

1. Nonstop flights.

A few millennials agreed that spending the extra money for nonstop flights is very worth not having any kind of layover that could extend already-long travel days.

“Especially if traveling with children,” one person wrote. “Let The Journey end as quickly as possible.”

2. Higher-end appliances.

Higher-end appliances seem popular among this millennial crowd because they have a slimmer chance of going kaput after a few years.

“I don’t want fancy bells and whistles,” one Redditor said. “I want the item to do [its] job and not crap out after 5-6 years.”

“It's the "smart" appliances that crap out quickly,” another person weighed in. “The more unnecessary buttons, the more unnecessary electronics, the more likely there is to be an issue.”

Some responders really love their Bosch appliances, like dishwashers, ovens, and more: “Bosch appliances for life. No frills but will run forever.”

3. Professional movers.

This one is quite self-explanatory: “Just save yourself the time and pain.” Amen!

4. A really great mattress and pillows.

Several millennials noted that you’re likely to pay for back pain and other health issues down the line if you don’t invest in a good sleep set-up now. Many users responded that high-quality mattresses and pillows are their #1 ‘worth-it’ splurge.

“You spend 1/3rd of your life in that bed,” one person posted. “And if it's a shit one, it can and will slowly ruin your back and health.”

5. Skincare.

Many skincare-focused users said that investing in skincare products that have a positive track record on their skin is also well worth it. Several users’ responses kickstarted a conversation about the best skincare ingredients to look into, especially with aging on the brain: SPF, tretinoin, vitamin C, retinol, and even Botox were mentioned.

A few more products were suggested in the thread were:

• Summer Fridays Cloud Dew Gel Cream Moisturizer
• Clinique Moisture Surge Auto-Replenishing Hydrator Moisturizer
• Chemist Confessions The Specialist Blackhead Exfoliation AHA/BHA Treatment Scrub & Mask
• Murad Eczema Control Soothing Oat & Peptide Cleanser

6. Expensive (and sharp) kitchen knives.

A few Redditors said they’ve never once regretted their investment in luxe kitchen knives.

“I have a Victorinox chef’s knife that is my go-to and it was maybe $50 on Amazon. I’ve had it for years,” someone wrote. “Learning to sharpen knives properly is the key.”

“Also, [realizing] you don't need to buy a full knife block,” another person said. “Curating your knives based on the ones you actually [use] in your kitchen.”

7. High-end pots and pans.

Now this is some good advice!

“I find that more money spent on restaurant-quality cookware is worth it because I’m going on 25 years with the same sauce pans, stock pot, and skillets,” one user noted. “Non-stick sucks for everything but eggs and fish, but my cast iron works well enough for that as long as I can pay attention to what I’m doing. Don’t buy sets if you can afford good individual pieces.”

8. Vacations.

Not only is a vacation one of the most popular comfort purchases among this particular group of millennials, making a vacation last at least one day longer seems to be the move, as it allows ample time for rest and recovery. Sometimes you just really need that extra day to get your mindset straight.

“An extra day off after I get home from my vacation,” someone wrote. “For some reason I need to have a vacation from my vacation before I go back to work.”

9. A "bougie" gym

Going to the gym is usually a trying experience — you're exerting yourself physically, so why exert yourself mentally too? Instead of opting for the cheaper gyms that don't have as much to offer, some commenters note that the frills make their workout experience all the more worth it. One commenter straight up answered, “Paying for the bougie gym that’s got a sauna, cold plunge, and a good yoga instructor.”

10. Toilet paper.

It may seem subtle, but paying for higher-quality toilet paper can be a good boost to your everyday routine, according to some Reddit users.

A few commenters also praised the magic of having a bidet: “Best $150 I have ever spent is to [buy a] bidet attachment for my toilet.”

11. Shoes with good support.

“Cheap out on shoes? Pay for foot problems and back problems,” one Redditor wrote. And they’re not wrong!

I grew up with parents that wouldn’t pay for cheap shoes in hopes the more expensive ones would last much longer, and I’m glad I did. It’s a mindset I’ve adopted as I grow further into adulthood, buying shoes that aren’t only made of durable materials, but provide ample support for my arches.

12. “Anything that makes my body hurt less.”

This is pretty self-explanatory, but let's be real: our bodies just hurt as we age. It's an annoying fact of life, but it doesn't have to be a permanent feeling. This commenter likes to buy whatever makes their "body hurt less," and I'd like to think that looks like a lot of things. It could be the comfy shoes we've mentioned, the high-end mattresses, and the likes of all that! It could be an epsom salt that just always relaxes their muscles. It could be really anything, really! But the priority is clear: comfort is seriously key, and spending money on that is certainly not a waste.

13. Sitting closer at concerts.

Standing for hours in the GA section is so exhausting, and I’m tired of pretending it’s not! A few users agreed splurging on the more-expensive sitting arrangements is way better than waking up with foot and back pain. Plus, the view can often be a lot more enjoyable!

“I'm always trying to get to the front for general admission shows, but when seating is involved, I'm committed to paying more to be closer,” one user posted.

14. Non-toxic cleaning products.

One user said non-toxic cleaning products are their go-to comfort purchase worth spending regularly on.

“The toxic overload we experience is causing all kinds of endocrine disorders and cancer,” they wrote. “I make a lot of my own, but if I buy:"

• Thieves Household Cleaner
• Dr. Bronner's Sal Suds Biodegradable Cleaner
• Dr. Bronner's Pure Castile Liquid Soap

15. Coffee, chocolate, and cheese.

Knowing what you like — and what's important to you — can really help when you're prioritizing what to spend on. This millennial commented, “I never cheap out on coffee, chocolate or cheese. I’m not buying luxury items, but I will get the highest grade I can get in my regular grocery stores. The cheapest stuff just isn’t worth it.” Amen!

​In which episode does JJ die?

JJ dies at the end of Outer Banks season 4 episode 10, "The Blue Crown" after rescuing Kiara from his father Chandler Groff. "I feel mad, betrayed, disappointed and heartbroken to say the least," Bruder adds. "JJ went through a lot of crap through the show and he was the one character who deserved his happy ending the most. When the series first came out, people fell in love with JJ and [Kiara]."

While the cast obviously found out about the ending while filming, fans are frustrated with how they chose to promote the show. "Obviously the cast can’t spoil a character death, but to blatantly lie and mislead fans by saying that Jiara was 'evergrowing' and fans would be happy with how the season plays out?" Bruder says. "Jiara fans deserved so much better than what we got, ESPECIALLY when they knew they were killing JJ off."

Why are Outer Banks fans so upset?

The show is the kind of phenomenon that made instant stars out of its cast, but it also made waves because of how the first season portrayed issues like classism, substance abuse, and domestic abuse. "As someone who has been around domestic abuse, I think the handling of the character JJ was detrimental culturally," another fan (who would like to remain anonymous) says. "The character suffered abuse at the hands of a man who was not even his biological father, and the writers almost framed it as if that was okay because in the beginning, his father loved him. Instead of telling a story to victims of abuse about hope and making it through trials, the writers went the opposite way. I also find it interesting that they stated this was a planned death. I think writing a character who is suffering from anxiety and clear mental health issues as well as abuse who is very young like JJ only to let him fall in love and kill him right when he starts to feel happiness doesn’t necessarily make a lot of sense narratively."

Another viewer adds that ending JJ's story that way felt "disrespectful...especially when in an interview following the episode, one of the creators literally referred to his death as pointless." She even says "it feels almost like the show died along with him."

Actress Madelyn Cline (Sarah Cameron) called JJ the "heart of Outer Banks"and for a lot of fans, JJ also became a beacon of hope, a reminder that you can endure, persevere, and come out stronger on the other side. Since the first season of the show dropped during April 2020, it's been one consistent, fun thing for TV fans since the COVID-19 pandemic began, which makes the loss feel even greater.

"Seeing him die at the hands of another abusive father was honestly kind of sickening," the viewer adds. "It’s also unfortunate that his death didn’t seem to mean anything. A character death like this would be one thing if it meant something. If he had died protecting his friends or actively protecting Kiara, rather than having already saved her and then getting killed afterward, it might’ve be easier to get past."

"It’s like a connection to something good and steady was just broken," X user @onlykiep4l says. "Killing a character that has literally gone trough so much trauma and was finally happy just doesn’t make sense. It’s not just the character that’s gone — it feels like a part of the show has ended too."

Why does JJ get killed off?

Rumors have been circulating for years about behind-the-scenes drama between actors Rudy Pankow and Madison Bailey, which has fans believing Rudy asked to be written off the show(for the record, Outer Banks creators Josh & Jonas Pate and Shannon Burke have said it was the plan from the beginning). With Rudy's exit, the writers had a difficult choice in front of them. JJ isn't the kind of guy to abandon his friends, meaning the writers obviously felt like killing him was the only option. But according to an additional viewer, "Outer Banks hasn't been that type of show."

"To attempt to turn this fun, summer, boat show into some dark, depressing story where the heart of the show is gone destroys everything that the show started out as," she says.

Another anonymous fan calls the choice "a character assassination," adding other moments from the season that feel like a different character than the one fans have come to love: barely reacting to John B. and Sarah's pregnancy announcement, or to the fact Rafe had come to talk to Kiara — especially after his reaction to Rafe catcalling Kie in the first season is a moment that led fans to ship them in the first place.

The fan continues by calling JJ's treatment a "lack of respect" toward the character. "The fact that the writers tried to make us dislike him, to soften the blow of him dying. It didn’t work. It has everyone distraught because many people’s favorite character ended up dying after 'finding happiness' for about 10 minutes in Episode 10."

​Does Sarah get pregnant in Outer Banks season 4?

But JJ's death isn't the only moment that has fans reeling. In addition to the fact viewers are saying the Pogues barely reacted to the death of their lifelong best friend, Pope is now a murderer and Kiara makes an absolutely chilling vow to get revenge on Groff — a far cry from the characters we fell in love with in season 1.

"Outside of the JJ of it all, a lot of plot lines/dynamics in part 2 felt off," one of our anonymous fans continues. "Sarah’s pregnancy plot line, especially when coupled with the quote from a creator about ‘giving her a baby specifically because she wasn’t ready’ feels incredibly tone deaf given the current state of things here in the US. The fact that there wasn’t even a conversation of if she wanted to continue with the pregnancy felt very icky. Overall, episodes 1-4 of this season did feel like Outer Banks, but everything after that felt like it was from an entirely different piece of media."

However, some fans are excited to see where the show goes from here. "JJ was such a strong character and his presence will obviously be missed, [but] I am excited to see how the Pogues react and what they do to get revenge on Groff," Virginia McGrew says in an email. "I also think that the scene of JJ dying with Kiara was extremely well done and emotional, making his passing even sadder. I ultimately believe that JJ’s passing serves as a reminder of the themes the show."

"JJ made the group even more aware of friendship, the importance of chosen family, and loyalty, which was seen throughout the season and especially in the finale," she continues. "Now that he is gone, the other Pogues will have to step up even more, creating a shift in their dynamic. While many believe that Outer Banks might not be worth watching after this finale, I truly think that it is only going to get even deeper and more interesting."