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SAN DIEGO (KGTV) - The holiday shopping season is here and you probably have a long list of presents to buy that will set you back hundreds, even thousands of dollars. But you might think twice about overspending on Black Friday or Cyber Monday when you take a closer look at the FIRE movement to help you make it in San Diego. Amon Browning and his wife Christina were recently featured on ABC News. The San Francisco couple just retired, and they’re only 40 years old. “I was making ,000 a year, and Christina was making about ,000 a year,” says Amon Browning. In just eight years, they managed to save million by investing 70 percent of their income through a method called FIRE, which is short for Financial Independence, Retire Early. RELATED: Making It in San Diego: Debt-free couple leaves San Diego to fast-track retirementIt sounds impossible, but it’s true.“Have a seat anywhere, it’s fun!” says a smiling Jennifer Mah looking over a crowded San Diego theatre. Mah is the Community Liaison for a local FIRE Chapter in San Diego called Choose FI, as in Financial Independence. It’s a movement that’s growing. “Welcome to the screening of Playing with Fire,” says Mah as the crowd cheers. RELATED: Is retiring in your 40s possible? This man says he's done itShe’s talking about ‘Playing with Fire: The Documentary.’ About 100 people gathered to watch the documentary shown only in select theaters. They gathered to learn what it takes, mostly significant financial sacrifices, to retire early. “The American Dream is getting a college degree, and this job, and this white picket fence. But all of that has this huge debt behind it,” claims a woman interviewed for the documentary.The goal of the film is to get people thinking about where they spend their money. “The consumerism culture is harmful. It really hurts people,” says another man as video of a massive Black Friday rush appears on the big screen.Ultimately, the documentary portrays how consumerism and marketing place so many Americans on the edge of bankruptcy. “We are spending money we don’t have to buy things we don’t need to impress people we don’t know,” says another man in the documentary in an ominous tone. RELATED: The 6 big retirement mistakes — and one way to avoid themBut he’s not that far off. A recent survey from Charles Schwab found 59 percent of adults live paycheck to paycheck. Nearly half, 44 percent, have credit card debt, and only 38 percent have an emergency fund. Those in the Choose FI community are the opposite. “People in the FI Community have a savings rates upwards of 40 percent,” says Mah. Meaning nearly half of their income is going into savings. Everyone in the movement is different in their quest to save and retire early; there’s no one specific way to do it. “Some things that most people cut: really expensive cable, really expensive phone bills, streaming services,” adds Mah. For others, it’s more drastic, like downsizing a house or giving up an expensive car for a used one. RELATED: Living life on their own terms: Couple shares how they retired in their 30's“It’s just about being resourceful, number one, and taking responsibility, number two,” says Kyle Lasota, a young entrepreneur who came to see the documentary. “Until you decide to take responsibility, nothing is going to happen. Everything is always going to be out of your control.”“Even if I don’t reach financial independence, retire early, I think I will be better for trying than not to try at all,” says Mah. The FIRE movement takes a great deal of sacrifice. To be successful like the Brownings, you must reduce spending, pay off your debts, and maximize your savings by setting aside 40 to 60 percent of your income. Finally, you must have 25 times the amount you plan to spend annually in retirement. 3809
SAN DIEGO (KGTV) -- The magic of the holiday classic "The Nutcracker" couldn't be stopped, even by a pandemic, as the San Diego Civic Youth Ballet has figured out a way for the show to go on.We're used to seeing this ballet with its lavish sets on an indoor stage with dancers close together, but this season things will look different because the virtual show will be outside with dancers wearing masks and distancing.Lucia del Rio stars as Clara and says, "I'm just really excited to be doing it at all. It's like in the beginning it was kind of hard to see how it was going to work especially since we were on Zoom. The most exciting part for me is being around everyone even if we have our masks on."The 9th grader from Academy of Our Lady of Peace says while they have had two in-person rehearsals following safety precautions, most rehearsals have been from home alone via Zoom."It's just very tough.. My floor is not good, my floor is very slippery." San Diego Civic Youth Ballet Artistic Director Danika Pramik-Holdaway has been on the other end of those Zoom rehearsals and says they've all had to overcome a few obstacles."Knowing who they stand next to, who they go behind, how they go in their direct order, when you're on Zoom at home by yourself that's very very challenging," says Pramik-Holdaway.But the students were up to the task and with hard work, Lucia and the other dancers have been able to turn lonely Zoom rehearsals into something special. The small group performance outside the Casa del Prado Theater will be recorded so people can watch online. It will be a simplified, shorter version of The Nutcracker, but the beloved scenes will still be there. Lucia says, "It's really really special. It's kind of a gift to be able to dance with people in the holiday season, so I'm really excited about that."Not to mention a virtual trip to see the Sugar Plum Fairy could yield a sweet reward --- more viewers than usual. Pramik-Holdaway says, "I'm sure we'll have definitely a lot of grandparents, who don't live here in San Diego, get to see their grandkids dance."They both agree that holding onto cherished traditions like this one, even if they have to be adapted, is something we need right now."Since we're in Balboa Park we have people walking through the park and everyone stops by and says, 'Oh, the Nutcracker!' They hear the music and I think it makes everyone feel like things are going to be okay again," says Pramik-Holdaway.SDCYB is celebrating its 75th anniversary this year and ticket sales help keep this nonprofit going. Access to this performance is only and tickets are on sale now. "The Nutcracker" debuts online on December 19 and goes through January 1. You can get tickets here at https://www.sdcyb.org/. 2762

SAN DIEGO (KGTV) -- The ACLU is threatening to sue ICE over a policy that forbids detention center volunteers from speaking with the press.Souls Offering Loving and Compassionate Ears, also known as SOLACE, is not allowed to help at the Otay Mesa Detention Center until they sign a form promising not to speak with the media.In August, ICE discovered SOLACE wasn’t in compliance with their protocol before asking the group to resubmit the paperwork for their volunteers.ICE says the code of ethics is in place for the safety of the detainees. “These are often folks who don't have any family or friends in the United States so even if they could write or call they don't have anyone to connect with,” said Angela Fujii, a social justice coordinator with the First Unitarian Universalist.SOLACE volunteers are ready to help, but they want to make sure they can share with others about the place where things are kept pretty tight.SOLACE was also briefly barred from visiting during the Obama Administration but the compromise was met.Other groups are providing detainees with services, but SOLACE was the only one allowed to regularly visit. 1148
SAN DIEGO (KGTV) — Temperatures are forecasted to climb in Southern California and surrounding areas through the next week and as this heat persists, there are other factors in play as well. Moisture entering the region will increase humidity, and humidity overnight will lead to overnight lows staying warmer, which means an extended period of heat with less overnight relief can be expected.This is a trend that is becoming more and more common. Climate researchers from Scripps Institution of Oceanography studied the history of these warmer, prolonged and humid stretches in the San Diego area, and found that periods similar to this are on the rise.“What we found is that heatwaves in Southern California, and I would say California more broadly, have been increasing over time in their frequency and tendency,” said researcher Dan Cayan.The lack of overnight cooling means no break from the heat at night, so the long stretch of days of increased temperatures combined with a lack of overnight relief could lead to dangerous conditions.“It’s a lot easier to contend with a heatwave that lasts a day or two than one that lasts four days,” said Cayan.Cayan said this is part of a larger picture of climate change impact, and this trend will likely continue in the years to come.Humidity can make temperatures feel worse. A Heat Index chart from the National Weather Service shows how the two climb simultaneously: 1425
SAN DIEGO (KGTV) - The cycle of debt is something a lot of people are desperate to break. One of the biggest challenges is keeping up with credit cards, payments and beating the interest rates. Now, a San Diego startup is offering people an opportunity to make purchases on items they may need for themselves or their families, without interest rates, credit checks, or penalties. Marc Schneider is the CEO of Zebit, an online shopping site designed to help people facing financial hardships, get on track, make payments and get what they need. “We’re trying to provide sort of an Amazon for the under-served,” said Schneider. RELATED: San Diego Workforce teams up with UCSD Extension to offer student loan alternativeWhile growing up, Schneider and his family faced financial struggles of their own. “I’ve supported my mother since I was 15 years old. I grew up in a mobile home with a separated family. Ended up being homeless on food stamps,” said Schneider. Now, Schneider is a successful entrepreneur, with Zebit hitting million in 2017, and million last year. “Zebit was built to change how consumers get access to credit, to give them a fair deal and have zero gotchas,” Schneider said. In order to make purchases on Zebit, you first need to create a profile which includes providing your current employment status and driver’s license. The company then uses that information to verify your employment and determine how much of a Zebit line you will receive. The Zebit line is similar to store credit or having a credit card, but without the interest rates and penalties and with the chance to make payments for purchases over a 6 to 12 month period of time. RELATED: Realtors expect busy spring for buyers and sellersFor example, a MacBook Air on Zebit may cost around ,273. The may break down to 8 upfront with 12 payments of a month. A five-piece dining set may cost around up front, with monthly payments around dollars.“We’ve heard stories like you save my Christmas, my daughter wouldn’t have had a birthday present if it wasn’t for you, I couldn’t get married because I didn’t have a way to finance an engagement ring,” said Schneider.Some of the items on Zebit can cost 5 to 10 percent more than some items on Amazon, however the company still stresses that their interest-free model and competitive prices makes it a great shopping experience that was designed with people who may not a lot of money, or struggle with credit card payments and interest rates. “I wanna build a big company that makes an impact on a consumer base, a consumer base that tends to be invisible that tends to be neglected and a consumer base that tends to really rip people off over time,” said Schneider. Schneider hopes his company will help others break their own cycle of debt. 2808
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