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What would it take to save million for retirement? Right now, more people than ever are 401k millionaires.Financial adviser Jonathan Duong says saving million is not as impossible as it may seem."A million dollars is very achievable for folks who aren't necessarily making really large six-figure incomes," Duong says.   The average 401k millionaire has been contributing to their retirement fund for over 30 years, according to MarketWatch.  So, how do you get to million in your 401k? Duong says there are a few easy ways.   First, defer over 10 percent of your paycheck to your 401k. Fidelity Investments says it might seem like a lot, but in the end, it should leave you with an annual income that you're use to once you retire.   Next, take advantage of your employer match."A match is free money," Duong says.   MarketWatch found 28 percent of the contributions to the average 401k millionaire's account came from their employer.   "Additional things you can do is working a little bit longer and delaying social security," suggests Duong.   Delaying Social Security until you’re in your 70's will allow you to get more money opposed to taking it sooner.   “It’s fairly good to say that if you've got 25 to 30 times your annual living expenses saved up, you might be in a position to retire, but there are a lot of other details that go into it," Duong explains.   There's no rule of thumb for how much everyone should save, Duong says. It all depends on your living expenses and how much it takes for you to live comfortably.   "In my mind, the ability to start today is really a reality for most people it's never too late," Duong says. 1756

What you drive impacts what you breathe.With all kinds of vehicles emitting all kinds of pollutants into our air, many Americans are now suffering from related health problems.“What I feel is tightness all around my chest,” said Karen Jakpor ,M.D., MPH. “Pretend you had to breathe through a straw.”Jakpor lives in California’s Inland Empire, an area east of Los Angeles, that has some of the worst air pollution in the country.After years of breathing in pollutants, Jakpor developed asthma so severe that she lost her clinical career.“That was very devastating to me when that first happened,” she said.Jakpor has since made a career change and is now advocating with the American Lung Association with a goal of getting all internal combustion engines off the road within the next three decades.“There’s so many people who are affected and people dying and yet they don’t even know that air pollution played a role in their medical condition,” Jakpor said.In its new report titled “Road to Clean Air,” the American Lung Association encourages a nationwide shift to electric vehicles by 2050.“Transportation is driving the unhealthy air that affects half of all Americans,” said William Barrett, lead author of this report.He predicts a transition to zero emission technology, for all transportation across America, could save countless lives and billions of dollars.“In the year 2050 alone, we could generate billion worth of public health benefits and approximately 3 billion worth of climate change benefits,” Barrett said.The move to reduce the use of fossil fuels has been an ongoing issue for decades.Now, however, health experts say the need for change is becoming more urgent each day.“Hopefully this report helps move the needle,” said Meredith McCormack, M.D., MHS, associate professor of medicine at John Hopkins University.She says prolonged exposure to car exhaust fumes can cause health issues ranging from heart attacks to lung cancer.To make a national changeover to electric vehicles a reality, McCormack says communities need help from leaders at local, state and federal levels.“For all of us as individuals, we also have our own ability to impact the future,” she said.A future of battery powered cars, however, does come at a cost.For example, a 2020 Toyota Prius Prime plug-in hybrid costs about ,000 more than a 2020 Toyota Corolla with a four-cylinder engine. But a study by the U.S. Department of Energy found that while plug-in vehicles could cost more upfront, they make up for it in savings with lower fuel costs and reduced emissions.That's something Jakpor believes is a small price to pay to improve America’s air quality.“We don’t want to leave the next generation with even worse disasters,” she said. 2753

When Sen. Bernie Sanders did this in 2013, he did it alone.On Wednesday, nearly four years later, Sanders introduced a new "Medicare for all" health care bill with a third of the Senate Democratic caucus by his side.Flanked at first by New York Sen. Kirsten Gillibrand and Connecticut Sen. Richard Blumenthal, Sanders called the costs of the current system "insane and unaffordable," promising that the average family would benefit financially under his plan "because you will no longer be writing checks to private insurance companies."For those whose taxes would go up, he added, "that expense will be more than offset by the money are you are saving with the elimination of private insurance costs." 710

While Tuesday's election wasn't quite the "Blue Wave" that Democrats had hoped for, the Democratic Party is projected to have a majority of seats in the US House once the new Congress is seated in January. All 435 seats in the House of Representatives were up for election on Tuesday, and that fact has spurred high voter turnout in an election that could see a lot of change on Congress. 401

When natural disasters like hurricanes and wildfires hit, many who live dangerously close to the devastation are told to evacuate. Truck drivers who are delivering important shipments to those areas, don't have that luxury."In 2012, when I just got my CDL, I actually did relief supply for the hurricane that hit New York and New Jersey. I was teaming [with another driver], I was training and it hit. They asked me to stay on for another month," said Wayne Cragg, an experienced truck driver who owns and drives his own big rig and delivers shipments all over the country for various companies. Cragg has delivered supplies in the middle of and in the aftermath of countless natural disasters, including Hurricane Sandy. Often times, truck drivers are bringing necessary equipment or supplies, but in order to get them there, they have to take their own safety precautions so they don't end up victims themselves."When I did a run into New Jersey that hit pretty hard, when I first got there that first week they still had standing water when we had to back in [to the dock]," said Cragg.Cragg ensures he has three major supplies when heading to the scene of a natural disaster. "F.F.W. - fuel, food and water. It's huge, especially the fuel. A lot of other things you might be able to get off of other people, but fill up. One tanker full for our trucks, we can go a long time when you fuel up and you never know what's going to happen," said Cragg.Pilot Flying J, a national chain of truck travel centers, provides fuel, food, showers and other amenities for truck drivers when they're on the road. "As you track the weather, we all got a little lucky in terms of it. It took a little jog to the right. We had six stores down for a period of time but again, we recognize that we have amazing team members that work around the clock to get us up and running," said Pilot Flying J's Chief Operator, Jason Nordin. Nordin says they had to shut down two locations in Texas and four in Louisiana during Hurricane Laura. Their location in Lake Charles, Louisiana is still closed due to damage."We'll work with the local authorities. In certain markets there was a four mile evacuation order so we obviously work with them. In some cases we'll work with the local authorities to stay open a bit longer if certain law enforcement need to have fuel. We'll work out the last possible moment to make sure we stay safe," said Nordin. Often times, truck stops and gas stations have to follow evacuation orders during wildfires and hurricanes to keep their employees safe. Nordin says when they have to shut down, they try to get back up and running as soon as possible."We take great pride to stay open as long as we can and open as quickly as we can because we do recognize our role to take care of the first responders, take care of the trucking drivers that are trying to move things not only through the market to other markets but also for the local community, for those that live there," said Nordin.Wayne Cragg remembers being stranded at a truck stop while trying to deliver supplies to a wildfire in Oregon five years ago. "Unfortunately, it hit a big area on I-84 and that actually stopped me one night. It was the strangest thing because the fire kept going up and down the hills with the wind which they blocked us off on 84. I thought I was going to get by it because it was open before," said Cragg.Cragg and Pilot Flying J are thankful to all the truck drivers delivering supplies amid natural disasters this year. "Here we all are once again delivering to the places and the floods and hurricanes and fires. So, my hope is that the American public should just say we are always there when things happen," said Cragg.Bringing relief in an emergency, no matter the trek to get there. 3794

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