Money Millennials, you’ve got this all wrong. You need to stop ‘saving’ for retirement. June 21, 2019June 27, 2019 Erin Lowry, Special to USA TODAY Comments Off on Millennials, you’ve got this all wrong. You need to stop ‘saving’ for retirement. Target date funds are one way Broke Millennial Takes on Investing author Erin Lowry says millennials can get over fear and invest in a 401(k) or IRA.