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This article provides information and education for investors. NerdWallet does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks or securities.If you’ve ever wondered how your retirement savings stacks up against your peers, you’re in good company. The desire to know where you land in the sea of retirement savers is natural, and it can help either kick-start more progress or give you a feeling of satisfaction. But no matter how the numbers make you feel, they may not be the best measure of whether you personally are on track for retirement.What is the average retirement savings?The 2019 Survey of Consumer Finances shows that the average retirement savings for all families is 5,130. The median retirement savings for all families is ,000.Taken on their own, those numbers aren’t incredibly helpful. There are a variety of decent retirement savings benchmarks out there, but how much money other people have isn’t one of them. Even breaking the numbers down by age won’t give you a great picture of where your own finances should be. After all, age is just one factor in how much you should save for retirement — and not everyone who is the same age will retire at the same time.But retirement savings balances do tend to increase with age, as they should — the closer you are to retirement, the more you should have stashed away. (If you’ve been struggling to fund retirement accounts, our guide on how to save money will help.)How much each age has saved for retirementA little fine print upfront: Because averages can be heavily skewed by outliers — in other words, the savings over- and underachievers in each group — we’ve also included median balances. The median can often provide a more representative number than the average, and you’ll notice that the median numbers are quite a bit lower than the averages. (All data is from the 2019 Survey of Consumer Finances, unless otherwise noted.)It’s also worth noting that both figures include only those who have retirement holdings — there are many people of all ages who do not. In 2019, only about half of families owned any kind of retirement account.Under 35Average household retirement savings: ,170Median household retirement savings: ,000Let’s start with millennials; they’re used to being under the microscope. In 2019, 45% of families headed by someone under age 35 had retirement accounts — meant here to include IRAs, Keoghs and certain employer-sponsored accounts such as 401(k)s, 403(b)s and thrift savings accounts.Of the families in this age group who have retirement holdings, the average value of those holdings is ,170, and the median value is ,000. In other words, 3,352 and 1,444 pieces of avocado toast, respectively.If you’re not sure how much you should save for retirement, it’s best to get an idea for it sooner rather than later — you don’t want to be heading into retirement without enough saved.Ages 35 to 44Average household retirement savings: 1,950Median household retirement savings: ,000This age range encompasses the oldest millennials and the youngest of Generation X. More than half (56%) of households headed by someone of this age have retirement accounts, according to the data.The average and median values of this group’s retirement holdings are significantly higher than those of the under-35 set. These are strong earning years alongside peak spending years. Particularly for those who have kids, dollars may be stretched around paying for child care, saving for college and saving for retirement. If you’re looking to increase those retirement savings, an IRA can be a great way to do it.Ages 45 to 54Average household retirement savings: 4,720Median household retirement savings: 0,000This group is still part of Generation X, with the oldest members about a decade from what’s considered the standard retirement age. About 58% of households headed by someone this age have retirement holdings, according to the SCF.These can be peak earning years, especially for men, who see earnings growth until age 55, according to compensation research firm PayScale. The company’s research shows women top out over a decade earlier, at 44.Ages 55 to 64Average household retirement savings: 8,420Median household retirement savings: 4,000These are baby boomers, and the oldest among them are knocking on retirement’s door — just a couple of short years from Social Security’s definition of full retirement age. About 54.5% of households headed by a baby boomer have retirement holdings.Ages 65 to 74Average household retirement savings: 6,070Median household retirement savings: 4,000The bulk of these households include someone who is in retirement, or at least of retirement age. As a result, many are at the stage when they are probably spending, rather than accumulating, savings. According to the SCF, 48% of this age group have retirement accounts.After this point, average and median retirement account values begin to fall, as does the percentage of people who have retirement accounts. For households headed by someone age 75 or older, the median value of retirement holdings is ,000, with an average holding of 7,920.What do these numbers tell you?The headline here: Most people aren’t saving enough for retirement and are entering retirement with very little stashed away.“If you use these numbers as your guiding star, you’ll likely be in the same state as most of the country: unprepared for retirement.”That’s just one reason why the average retirement savings for someone your age isn’t a benchmark. If you use these numbers as your guiding star, you’ll likely be in the same state as most of the country: unprepared for retirement.How much you should have saved, and how much you should be saving, have nothing to do with where others your age stand. It has everything to do with your income, planned retirement spending, expected retirement age and life expectancy.If you want to find out how much you personally will need to retire, aretirement calculator can help. And if that calculator tells you you’re behind? An IRA is a good place to start catching up.More From NerdWalletSure, Stocks Are Fun. But ETFs Are SmartThe Upsides to Thinking About When You Will Die4 Tax Triggers New Investors Need to Know AboutAlana Benson is a writer at NerdWallet. Email: abenson@nerdwallet.com. 6422

This story is FALSE. They did nothing wrong. But the ANTIFA Anarchists, Rioters and Looters, who have caused so much harm and destruction in Democrat run cities, are being seriously looked at! https://t.co/3pmbMllPWS— Donald J. Trump (@realDonaldTrump) November 2, 2020 277

TREBES, France (AP) — The French police officer who swapped places with a female supermarket employee being held hostage had already received a lifetime of accolades by the time he walked unarmed into the store under attack by an extremist gunman.Known for his courage and sang-froid, Lt. Col. Arnaud Beltrame was acclaimed by neighbors, colleagues and French authorities as a hero Saturday after his death from wounds the day before. President Emmanuel Macron announced plans for a national ceremony to formally honor him.After agreeing to the hostage swap, Beltrame surrendered his weapon — but kept his cellphone on, allowing authorities outside the Super U market in the southern French town of Trebes to hear what was happening inside.RELATED: Gunman shot dead in France after killing 3 in supermarket and car attacksThanks to Beltrame's quick thinking, special police units heard gunshots inside the store Friday and stormed the building immediately, killing the attacker."Beyond his job, he gave his life for someone else, for a stranger," his brother, Cedric, told RTL radio in France. "He was well aware he had almost no chance. He was very aware of what he was doing ... if we don't describe him as a hero, I don't know what you need to do to be a hero.""Arnaud Beltrame died in the service of the nation to which he had already given so much," Macron said. "In giving his life to end the deadly plan of a jihadi terrorist, he fell as a hero."The date of the ceremony for Beltrame wasn't immediately set.The hostage whose life he saved, an employee named Julie, was in a "catastrophic state," her manager said.Beltrame's entire career seemed to lead inexorably to the moment when he responded to the attack Friday in Trebes, a 15-minute drive from the gendarme unit he had led since last August.He joined France's elite police special forces in 2003 and served in Iraq in 2005. A former member of the presidential guard, he earned one of France's highest honors, the Order of Merit, in 2012.In December, Beltrame organized a counterterrorism training session for just such a hostage situation — down to the location in a supermarket. At the time, he armed his officers with paintball guns, according to the Depeche du Midi newspaper."We want to be as close to real conditions as possible," he said then.In addition to the four people killed by the gunman Friday, 15 others were injured.Investigators searched the home of the attacker, Moroccan-born Redouane Lakdim, 25, and found what a judicial official said were notes "that alluded to the Islamic State and appeared like a last testament." They also found a computer and a phone.Inside the market itself, investigators found three homemade explosive devices, a handgun and a hunting knife, the official said. He wasn't authorized to speak publicly amid the investigation.The weapons suggested an intent to do further damage.Macron called a special Defense Council meeting with key ministers Saturday to decide the country's next steps in combating terror. Hundreds of investigators were on the case, pouring into Lakdim's background.Across the Atlantic, U.S. President Donald Trump tweeted "We are with you @EmmanuelMacron!" and condemned "the violent actions of the attacker and anyone who would provide him support."French police and soldiers have been a prime target of attacks by extremists, with 10 killed in recent years, including Beltrame. Dozens of others have been wounded.Beltrame's mother told RTL radio that, for her son, "to defend the homeland" was "his reason to live.""He would have said to me, 'I'm doing my job, Mom, nothing more,'" she said.Flowers piled up in front of the Gendarmerie headquarters in the French medieval city of Carcassone to pay tribute to Beltrame. Flags at all gendarmeries were flying at half-staff.Two people have been detained in the case, one woman close to Lakdim and a 17-year-old male friend.Lakdim was known to police for petty crime and drug dealing. But since 2014, he was also on the Fiche S list, a government register of people suspected of being radicalized but who have yet to perform acts of terror. Despite this, Paris prosecutor Francois Molins said there was "no warning sign" that Lakdim would carry out an attack.The four-hour drama began at 10:13 a.m. Friday when Lakdim hijacked a car near Carcassonne, killing the passenger and wounding the driver, the prosecutor said. Lakdim then fired six shots at police officers who had just finished jogging, hitting one in the shoulder.Shouting "Allahu akbar!" — Arabic for "God is great" and declaring he was a "soldier of the Islamic State," he entered the Super U supermarket in Trebes, 60 miles (100 kilometers) southeast of Toulouse, where about 50 people were inside, Molins said. He killed two people in the market and took an unknown number of hostages.The supermarket's manager, who would identify herself only as Samia, was in her office when she heard the shots."Call the gendarmes," she told her employees. "There's a terrorist in the store."She said she helped evacuate as many people as possible. Other people sought safety in the store's meat locker.During the standoff, Lakdim requested the release of Salah Abdeslam, the sole surviving assailant of the Nov. 13, 2015, attacks in Paris that left 130 people dead. The interior minister suggested, however, that Abdeslam's release wasn't a key motive.The IS-linked Aamaq news agency said the attacker was responding to its call to target countries in the U.S.-led coalition carrying out airstrikes against IS militants in Syria and Iraq.Samia was overcome by emotion when asked about the attack."I'm utterly devastated. This is really a tragedy. I feel deeply for the victims," she said, adding that Beltrame "is a hero. He saved our colleague - our Julie."The mayor of Trebes, Eric Menassi, was equally emotional."They all looked death in the eye," he said. "There will be a before and an after. I think nothing will ever be the same."___Elaine Ganley and Sylvie Corbet in Paris and Renata Brito in Trebes contributed to this story. 6078

Top North Korean officials warned the United States in a letter that denuclearization talks are "again at stake and may fall apart," sources familiar with the process told CNN.The letter was delivered to US Secretary of State Mike Pompeo, who abruptly canceled his fourth trip to Pyongyang, hours before he was scheduled to depart with his new special envoy Stephen Biegun on Friday, sources said.Three sources with direct knowledge of the North Korean position on denuclearization said the letter stated that Kim's regime felt that the process couldn't move forward because "the US is still not ready to meet (North Korean) expectations in terms of taking a step forward to sign a peace treaty."The US has so far been unwilling to replace the armistice agreement that ended the Korean War with a permanent, legally binding peace treaty, which would require the approval of two-thirds of the US Senate.If a compromise cannot be reached and nascent talks crumble, Pyongyang could resume "nuclear and missile activities," the sources said.The existence of the letter, sent to Pompeo by Kim Yong Chol, the former head of North Korea's spy agency, was first reported by the Washington Post.The Post, which characterized the letter as a "secret" communication, said it wasn't clear how Kim had gotten the letter to Pompeo, but suggested that it may have been sent through its UN mission.However, Pompeo has been relying on other backchannels, as opposed to dealing directly with his diplomatic counterpart North Korean Foreign Minister Ri Yong Ho, one source said."Before and after Pompeo became the Secretary of State, he seemed to be more interested in maintaining and engaging with Kim Yong Chol through a backdoor channel, rather than with his formal counterpart Ri Yong Ho," said the source. 1809

Tom Bossert has been pushed out as White House homeland security adviser, multiple sources told CNN on Tuesday.White House press secretary Sarah Sanders confirmed his departure in a statement."The President is grateful for Tom's commitment to the safety and security of our great country. Tom led the White House's efforts to protect the homeland from terrorist threats, strengthen our cyber defenses, and respond to an unprecedented series of natural disasters," Sanders said. 485

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