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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

There's a lot of excitement about the joy the holidays can bring, particularly this year. But at the same time, many families, especially those with fragile loved ones, may be experiencing stress and sadness.“It's the first time in my life that I have not been with any of my family members. And so that's really difficult and tricky for us,” said Amy Goyer, a family and caregiving expert with AARP.Goyer isn’t alone. More than three quarters of caregivers are making alternative plans this holiday season because of the pandemic.Goyer says to avoid all or nothing thinking. Instead, focus on traditions most important to your loved ones.“For one family member, the decorations are the most important part, for another one, it’s the family movie night,” she said. “It might be that the meals are the most important thing. The music, you know, the religious services. Find out what's most important and try to prioritize ways that you can adapt.”For loved ones outside the home, increase how often you talk to them. Decorate outside their window or mail them decorations. Do holiday traditions like reading a story, watching a movie or sharing Christmas morning coffee over video.“I know one caregiver who got a bunch of greeting cards and she addressed them all from different people and gave them to the facility and they're giving them to her brother who lives in a memory care facility,” said Goyer. “Every day he gets a card and that makes him feel like, oh, this is, this is the queue. This is the holiday season, and somebody cares about me.”Caregivers also need to pay attention to themselves. Well over half are already experiencing negative impacts on their mental health.“Remember to give to yourself and that that's a good thing to do. In fact, it's required. It's not optional. Because that's how we continue to have within what we need to give to others,” said Goyer. 1889

Three days after Hurricane Michael unleashed its wrath in the Florida Panhandle, residents in some of the hardest hit areas are growing desperate for food and water.Long lines have formed outside fire stations, schools and Salvation Army food trucks as residents try to secure anything from bottled water and ready-to-eat meals to hot meals.PHOTOS: Hurricane Michael damageFlorida Governor Rick Scott tweeted on Saturday that millions of meals and gallons of water are already on the way to the impacted communities.The death toll from Michael has risen to at least 17 and nearly 900,000 customers remain without power in seven states. The storm that smacked Florida's Panhandle was one of the most powerful hurricanes to hit the United States, leaving a trail of destruction stretching as far as Virginia. The misery from its impact will likely linger for weeks or even months.On Saturday, emergency crews will continue descending into the coastal cities in the Panhandle, like Mexico Beach, that were wiped out and will try to reach remote areas that were isolated by downed trees and power poles. 1107

There's a renewed push to reform qualified immunity, a legal doctrine that protects police officers, along with some others, from civil lawsuits.In Congress, Sen. Justin Amash of Michigan proposed a bill to eliminate qualified immunity entirely. It has bipartisan support.Understanding why qualified immunity was established could help inform a vision for the future.Imagine a scenario where you're walking down the street and someone clearly violates your rights. The rule of law says they should be held accountable and you'd expect that they would. But can the same be said about police officers who violate a person’s rights?Qualified immunity protects public employees, like police officers, from being held personally liable for knowingly violating someone else’s rights, as long as the officer didn’t break any “clearly-established” laws in the process.Critics argue qualified immunity tilts the scales of justice and makes it hard to hold officers accountable for crimes they admit to committing.The legal path that led to qualified immunity started with the passage of the Civil Rights Act of 1871. Congress declared that every American has the right to sue any public employees who violate their rights.Then, in the late 1960s, a Supreme Court ruling would start morphing the concept into what we know today.It was 1967 when the court granted exceptions to police officers accused of violating rights if they acted in good faith and believed their actions were within the law. Another ruling, in 1982, shifted the burden entirely to the citizen, requiring they prove the officer’s actions broke a “clearly-established” right.That means presenting a case where the Supreme Court found an official guilty of the same “particular conduct” under the same “specific context” as is being alleged. Without it, the officer is protected from liability.The Supreme Court granted one exception for a particularly cruel case in 2002.In June 2020, the Court declined to take up a petition asking it to re-examine qualified immunity. The order was unsigned, and Justice Clarence Thomas was the only one to write a dissent.He wrote the “qualified immunity doctrine appears to stray from the statutory text.”Justice Thomas and Justice Sonia Sotomayor have urged the court to take up the doctrine multiple times in the past. In 2018, Justice Ruth Bader-Ginsburg joined in a dissent authored by Justice Sotomayor. It said that the way the Court previously ruled on qualified immunity had established “an absolute shield for law enforcement officers.” 2550

This year’s first rehabilitated eagle is released back into the wild Monday, at Pioneer Trails Recreation Area, just north of Aurora, Colorado.She was originally found near this park March 2, with no apparent injury, but she wasn't flying.“We tested her and she had a lead level of 18.3,” said Betsy Finch, manager of Raptor Rehabilitation. “And that is micrograms per deciliter. Anything above 10 toxic.”Bald eagles are getting sick and dying from lead poisoning after eating the carcasses of animals shot with lead bullets. The Fontenelle Forest Raptor Recovery Center typically sees 20 eagles a year, it’s already hit that number this year; only two have survived.For the past seven weeks, Finch, has nursed the eagle released Monday back to health, treating her for lead poisoning, as she has done with many other eagles.“This is a real eagle celebration today,” Denise Lewis, Director of Raptor Recovery said. “This is what it’s all about.”Before her big moment, she is banded and photographed.It's bittersweet. Finch invests a lot of time nursing these birds back to health. But she insists, she isn't sad to see her go.“Not really,” Finch said. “They don't belong with us.”Out in the wild, she'll go right back to hunting, and soaring free.“If she has a mate out there she will find that mate,” Finch said.And she said it's not too late for her to breed yet this season.If you find an injured raptor, such as an eagle or an owl, call the Raptor Recovery Rescue Hotline at 1866-888-7261. 1531