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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

Ticketmaster has issued a response regarding Billboard's report that concertgoers would have to verify that they've been vaccinated or tested negative for the virus before attending a live show.In an email to E.W. Scripps, Ticketmaster said there is no requirement coming from them about mandating vaccines or testing for future events.In the original report, Billboard reported that the ticket-selling company would set up a way for the customers' COVID test results to be sent to third-party health companies. And through its digital app, Ticketmaster would tie those test results or vaccination status to a ticket digitally that'd be used to enter events.Ticketmaster explained that it is up to the event organizers to set policies around safety and entry requirements."Ticketmaster does not have the power to set policies around safety/entry requirements, which would include vaccines and/or testing protocols, a spokesperson for Ticketmaster said. "That would be up to the discretion of the event organizer, based on their preferences and local health guidelines."The spokesperson explained that they are exploring the ability to enhance their existing digital ticket capabilities amid the pandemic."One path Ticketmaster is actively exploring and working to develop is a framework for syncing with third-party healthcare providers to link COVID vaccine status and/or test results to fans' digital tickets for event entry," the spokesperson said. "All aspects of vaccine verification/testing for the broad public would be set by regional health officials. Any health information would be stored with third-party health care providers with HIPPA compliance, not with Ticketmaster."In a statement, Ticketmaster President Mark Yovich added that the company's goal is to "provide enough flexibility and options that venues and fans have multiple paths to return to events.""We imagine there will be many third-party health care providers handling vetting - whether that is getting a vaccine, taking a test, or other methods of review and approval - which could then be linked via a digital ticket so everyone entering the event is verified," Yovich said. "We are working to create integrations to our API and leading digital ticketing technology as we will look to tap into the top solutions based on what's green-lit by officials and desired by clients."Ticketmaster added that this is still in development. Once the technology and regulations are approved, the company said they would make it available, but there is no timeline for implementing this potential idea."In short, we are not forcing anyone to do anything," the spokesperson said. "Just exploring the ability to enhance our existing digital ticket capabilities to offer solutions for event organizers. Just a tool in the box for those that may want to use."The spokesperson stated that Ticketmaster has set up its SmartEvent Suite, which would help event organizers safely welcome concertgoers back to live events. 2987

TIJUANA, Mexico (KGTV) - According to a Tijuana newspaper, a power outage over the course of last weekend at the Tijuana General Hospital led to the deaths of five patients who were on ventilators. Officials, though, deny it.On Wednesday, ABC10 News spoke media partner Televisa's anchor Estephania Báez about the report from newspaper Zeta. “What they got was interviews with doctors but they remained [anonymous]," said Báez.She said that state authorities and the hospital admitted there were five deaths but denied that they were caused by the outage and claimed that a backup generator kicked in but only at low voltage.Televisa is reporting that copper wire thieves are suspected of causing the loss of power. “The thieves that [steal] the copper from homes decided to do it to the General Hospital and I can’t even think about why they did this with knowing that patients are connected to ventilators,” added Báez.Tijuana's General Hospital has been hit hard since the start of the pandemic. There have been reports of a lack of beds and equipment. More recently, Báez said, there have been problems related to accessing cancer care. “They even had lots of families that have children with cancer protesting outside the hospital because they couldn't even get their treatment done,” she added.In part of a statement to ABC10 News, the hospital wrote that it categorically denies that the outage resulted in the death of any of its patients.ABC10 News reached out to the Joint Commission which oversees safety standards for hospitals in the United States to ask about power outage protocols. We were sent the following."The Joint Commission Emergency Management Standard EM.02.02.09 EP 5 requires that hospitals identify an alternative means for providing "fuel required for building operations, generators, and essential transport services that the hospital would typically provide." The facility should assess how it would be affected if outside emergency support could not be obtained for 96 hours. This does not mean that they need to have 96 hours’ worth of fuel on site. The plan could include memoranda of understanding (MOUs) with suppliers to replenish fuel as needed during the emergency period. Additionally, the plan could be to operate without normal branch of power to reduce fuel consumption, to extend run-time of the available fuel. If the generator is used as the backup power source for the life safety branch of the electrical system, the facility should have enough fuel to run the generator for a least 1-1/2 hours for as long as the building is occupied." 2592

Three UCLA basketball players accused of shoplifting in China last week returned to Los Angeles on Tuesday.Video showed the three freshmen greeted by a media scrum as they walked out of a Los Angeles International Airport terminal about 6 p.m. (9 p.m. ET).US President Donald Trump earlier said he asked his Chinese counterpart to help in the case. 356

Travelers heading to the Caribbean, Latin America, or Hawaii on American Airlines will now have the opportunity to participate in its COVID-19 pre-flight testing program."Our initial pre-flight testing has performed remarkably well, including terrific customer feedback about the ease and availability of testing options," said Robert Isom, President of American Airlines said in a press release on Monday. "This next phase is an invigorating step forward in American's relentless pursuit of reopening international travel and driving industry recovery while delivering a safe and positive travel experience."Beginning Nov. 16, passengers traveling from Miami, Florida, to Belize, Grenada, and St. Lucia will be offered pre-flight COVID-19 testing with a convenient at-home testing option.American stated travelers to each country will have three options when it comes to testing using an at-home test from LetsGetChecked:Belize: Travelers over the age of 6 must complete testing within 72 hours of departure.Grenada: Passengers must complete testing within seven days before their departure date.St. Lucia: Anyone over the age of 5 must complete testing within seven days of departure."Customers cannot board flights to St. Lucia without presenting a negative test result. Pre-arrival registration is mandatory; customers should visit stlucia.org for the latest information on travel restrictions and quarantine requirements," American stated.American said travelers could expect results within an average of 48 hours.Starting Monday, American said customers traveling from Chicago, Los Angeles, and Phoenix will now be able to use LetsGetChecked at-home tests.Travelers must complete their testing within 72 hours of the final leg of their departure, American stated.Customers should expect results within 48 hours."As of this announcement, travelers who present a negative test upon arrival will be exempt from the state's 14-day quarantine," American said. 1968