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Retirement is just a numbers game to Carl Jensen, who quit his job when he was miserable and decided his family of four could live off less.“We save a lot of money,” Jensen said. “We (do) the electricity ourselves, too.”He’s at home with his family full time and is making it work by slashing the family’s expenses."I had a really bad day at work, and I remember thinking I had this incredible stress. I can't do this for the next 15 to 20 years of my life,” he said. "I don't need a new car, so I don't have a new car. I don't care about my clothes ... so I don't buy brand new clothes. And I have an old phone because honestly I don't want to learn a new phone."The family lives on just more than ,000 a year, an amount his retirement funds generate, along with his wife’s job at a startup."I realized early, retirement is just a number game, and if you're a saver and can be a little bit frugal when you're younger and let the stock market work for you, you can actually stop working early.""People that haven't saved very much for retirement still have great choices available to them if they're flexible."Kim Curtis, Wealth Legacy Institute CEO, understands Jensen’s choice isn’t for everyone and says approaches can vary."The key around your 40s is making sure that you don't give up the savings your started in your 20s,” Curtis says.People in their 20s should focus on a savings routine such as a 401K, Roth IRA and keeping credit card balances low. Those in their 30s need to focus on asking for a raise and building their salaries.Curtis says they need to be bold.People in their 40s have a tougher time if they have growing children. It’s harder to save."The key around your 40s is making sure that you don't give up the savings your started in your 20s,” she said.Keep building the money in your 50s and consider not fully retiring until your 70s. It’s not as bad as it sounds."The idea of not working and stepping off and not having any new income from the time you retire through life expectancy is really a fallacy now because a lot of people have side hustles and a side hustle in retirement could be an Uber driver. It could be a wag walk or dog sitting,” Curtis says.People who can keep working will benefit most, though.For the average person, ,000 a month at age 62 is all social security provides. And it’s ,425 at age 66.If you don’t draw until you are 70 years old, it jumps to ,800 per month, Curtis says."That's significant."Jensen decided working is not for him, but he picks up contract jobs in between repairing and adding on to his house, which he does himself. 2611

Severe thunderstorms are raking and flooding parts of the central US on Tuesday, including in Oklahoma, where a tornado appeared to touch down near the Tulsa International Airport in the early morning.At least 21 tornadoes were reported in parts of Texas, Oklahoma, Missouri and Arkansas from early Monday to Tuesday morning, the National Weather Service said -- and more are possible, especially in parts of Missouri and Arkansas.No severe damage was immediately reported near the Tulsa airport, where a tornado was reported shortly after 6:30 a.m. CT Tuesday. But radar indicated that a tornado was sending debris into the air, CNN meteorologist Chad Myers said."That debris was ... very close and moving toward" the airport, Myers said.Severe weather is possible Tuesday in the central Plains, Missouri, Illinois, Arkansas, and parts of Texas and Louisiana.Damaging winds and hail appear to be the main threats, but more tornadoes are possible, especially in southern Missouri and northern Arkansas.Water rescues in Oklahoma 1039

Prince Harry and his wife, Meghan, have made their final appearance as senior royals at Westminster Abbey. The couple joined Queen Elizabeth II and other members of Britain's royal family on Monday for an annual Commonwealth Day service is expected to be the last time the couple works alongside the entire Windsor clan before Harry and Meghan fly off into self-imposed exile in North America. The Commonwealth service is a major event on the royal calendar, largely because the 93-year-old monarch has embraced the network of nations for much of her life. The pomp-filled observance featured no hand-shaking. apparently due to the new coronavirus. 661

Robert Kraft will not accept a plea deal offered by Florida prosecutors in the case against the New England Patriots owner and other men accused of soliciting prostitution at a Jupiter, Florida, day spa, a source familiar with the case told CNN on Wednesday.Prosecutors have offered to drop misdemeanor charges against Kraft and 24 other men in exchange for fines, community service and an admission they would be found guilty should the case go to trial, according to Mike Edmonson, spokesman for the Palm Beach State Attorney's Office.Edmondson described the offer as standard for first-time offenders and said that none of the offers had been accepted as of Wednesday morning.The 695

SALEM, Ma. – To say legends never die in Salem would be an understatement. The crisp leaves and the sound of the harbor embraces you in its Americana state that you can’t help but fall in love with.And embracing that legacy, is what truly makes this town alive.“In October, it’s what we call the fifth season,” said Jill Christiansen, the assistant education director of the Salem Witch Museum.Every October, people are in Salem celebrating Halloween – every day of the month.But what is it about this place that draws us in? Why are we obsessed with the history, the secrets and the mystery?“Salem is most known today for the witch trials of 1692,” Christiansen said. “The twenty people who were executed in 1692 were innocent people. They were accused of witchcraft for any number of reasons, but they were innocent people.”People come from all over the country and the world to see the history of the witch trials. For Tina Fogel, Salem means so much more. “Is the history but it’s also my fifty ninth birthday today and it’s always been on my bucket list to come to Salem,” Fogel said while getting emotional. “We’ve had a rough couple of years. My daughter took her own life and I got the inheritance from her and that’s why I was able to come here. She would be so excited to know that I’m here.”History can be appreciated year-round, but Salem’s true colors are seen in the fall. The streets are filled with the wicked, the terrifying and just straight weird. People are wearing costumes, vendors are on the streets, hotels are almost always full, and restaurants packed.But it wasn’t always this way. Some say Salem is what it is today because of the very thing that legends say cursed it. “People kept asking me why I keep going back to Salem,” said a man who goes by the name Bubble Bob. “They say it’s a gutter. I say ‘yeah, but it’s my gutter.’ Fifteen to twenty years later, it’s a tourist entertainment spot. So, in a place where it was maybe not so healthy to get brought up is now a healthy environment. When I say it use to be a gutter, I mean a lot of people were dying from drugs and suicide. Twenty years later – nothing but improvement.”“In 1969, the show Bewitched came and filmed several episodes,” said Christiansen. “Because of that, it really put Salem back on the map again as connected to the witch trials. The tourism industry and many people attribute the town starting to grow right after that.” According to Destination Salem, from September to November about 500,000 people visit from all over the world. 9 million a year is generated through tourism alone, and thirty percent of that comes in the month of October.“We see approximatively 60,000 people in the month of October,” Christiansen said. “I believe the population of Salem at this point is 43,000. That gives you some perspective on just how many people come through here.”So why are we so drawn to this place? It’s the curiosity, the obsession, the wildly weird that allows this town to not be afraid to just be itself. And maybe, we envy that. So, to say Salem is embracing its legacy would be an understatement. 3122