Money Millennials, you’ve got this all wrong. You need to stop ‘saving’ for retirement. June 27, 2019Erin Lowry, Special to USA TODAYComments 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.