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Can you cover an unexpected 0 expense?Four in ten Americans can't, according to a new report from the Federal Reserve Board. Those who don't have the cash on hand say they'd have to cover it by borrowing or selling something.The bright side? That's an improvement from half of adults being unable to cover such an expense in 2013. The number has been ticking down each year since.Overall, the financial situation of American households has improved during the past five years, according to the Economic Well-Being of U.S. Households report. It shows that in 2017, 74% of adults reported feeling at least "okay" financially, an increase of 10 percentage points from the first survey four years earlier."This year's survey finds that rising levels of employment are translating into improved financial conditions for many but not all Americans," Federal Reserve Board Governor Lael Brainard said in a press release, "with one-third now reporting they are living comfortably and another 40% reporting they are doing okay financially."Still, many are struggling. Notable differences remain across race, ethnicity, education levels and geography. The report shows hardship continues for people working to repay college loans, cover emergency expenses and manage retirement savings.For the first time the report also looked at the opioid epidemic, reporting that one out of five adults personally knows someone with an addiction to painkillers. Exposure does not vary much by education level or by local economic conditions.The study was drawn from the Board's fifth annual Survey of Household Economics and Decisionmaking, which looks at the economic health of Americans. The survey of 12,000 people examined their income, employment, unexpected expenses, banking and credit, housing, education, and retirement planning in November and December 2017.While showing that Americans' financial lives are moving in a positive direction, the report does raise some concerns about their most basic levels of financial stability: emergency funds and retirement."The finding that four-in-ten adults couldn't cover an unexpected 0 expense without selling something or borrowing money is troubling," said Greg McBride, chief financial analyst at Bankrate.com. "Nothing is more fundamental to achieving financial stability than having savings that can be drawn upon when the unexpected occurs."McBride suggests setting up automatic direct deposits from a paycheck to a savings account that can build some much-needed financial cushion.He's also concerned about another finding in the report: fewer than 40% of adults think their retirement savings are on track."The burden is on us as individuals to save for our retirement," he says. "Take control of your financial destiny by contributing to an employer-sponsored retirement plan such as a 401(k) via payroll deduction, or arrange automatic monthly transfers from your bank account into an IRA."More concerning are the 25% of Americans with no retirement savings whatsoever, according to the report.Some of this may be due to the lack of employer-sponsored retirement plans, as well as people piecing together several part-time jobs, which may not offer benefits.The report found that while most workers are satisfied with the wages and benefits from their current job and are optimistic about their future job opportunities, challenges remain, particularly with irregular job schedules. 3451

CHICAGO (AP) — Chicago White Sox manager Tony La Russa says he doesn't have a drinking problem. He also says he has to prove that with his behavior. The 76-year-old La Russa has pleaded guilty to a lesser charge to resolve misdemeanor drunken driving charges stemming from his arrest nearly 10 months ago on a freeway in metro Phoenix. La Russa said he feels "deep remorse and regret" about what happened. He underwent 20 hours of alcohol counseling after his arrest, which he described as "very helpful." 513

CARLSBAD, Calif. —  Two bodies were found with gunshot wounds in front of a Carlsbad home Tuesday night, just east of Batiquitos Lagoon. The Carlsbad Police were alerted to the situation when they got a 911 call from a man saying he was going to commit suicide in the 2500 block of Navarra Drive, according to police. When they arrived at the home they found a 71-year-old man and 79-year-old woman both with visible gunshot wounds. A handgun was recovered at the scene.Both the man and woman are residents of Carlsbad. Their names are being withheld until family has been notified the by medical examiner.Carlsbad police tell 10News that the preliminary investigation indicates that the pair were married and each suffering from a different medical condition.There are no outstanding suspects and police are investigating the deaths as a possible murder-suicide situation.   943

CARLSBAD, Calif. (CNS) -- The man and woman accused of killing a woman during a Carlsbad home invasion are scheduled to be in court. Prosecutors 152

CARMEL, Indiana — The family of a Carmel High School student who took his own life after getting in trouble at school has filed a lawsuit against the school district.Patrick McCalley got in trouble for a Snapchat message, showing a noose around the neck of an African-American schoolmate. McCalley died by suicide after the school had him sign an affidavit over the incident without his parents being notified.His parents are now suing the Carmel-Clay School District for negligence and for violations of due process of the Fourth Amendment's ban on unreasonable searches. 610