WASHINGTON — Pearl Brady has a stable job with good benefits and holds two degrees, a bachelor’s and a master’s. But despite her best efforts, she has no savings and worries that it will be years before she manages to start putting away money for a house, children, and eventually retirement.
‘‘I’m in that extremely nervous category,’’ said Brady, 28, a New Yorker who works for a union. ‘‘I know how much money I’m going to be making for the near term. I hope in my 30s and 40s to be able to save, but I have no idea how. It’s scary.’’