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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

When it comes to car sales in California, the Golden State is looking to get a little greener.“Most of our shoppers are looking for a hybrid,” said Chris Wesney, general manager of McCarthy’s, an independent car dealership in San Luis Obispo, California.Wesney says his team sells about 75 vehicles a month with electric vehicles making up 20% of those sales.“That increases every year, year over year,” he said adding he expects that number to increase even more after California Governor Gavin Newsom’s recent executive order, which would ban the sale of gas-powered vehicles by 2035.“There’s a lot to learn when it comes to buying electric cars,” Wesney said. “The problem that I foresee for some vehicles dealers is the repair facilities.”The state’s mandate has industry leaders shifting gears, and it’s raised questions inside Cuesta College’s automotive technology department.“To just simply say, ‘yes, we’re going to do this’ without looking at all other implications kind of makes me a little nervous,” said John Stokes, division chair of engineering and technology at Cuesta College.Stokes says he supports this decision to move away from fossil fuels in theory, but in reality, he’s questioning everything from how to replace gas taxes to adding enough related infrastructure.“There are so many things that are still question marks on how to be able to do this,” he said. “Do we have the production to satisfy the electricity? Do we have the production for the battery capacity?”Other auto industry leaders are also speaking out about this proposed change.“I certainly understand big, bold ideas but only when they’re affordable,” said Cathy Reheis-Boyd, president of Western States Petroleum Association.Reheis-Boyd says right now there are 736,000 electric vehicles in California compared to 36 million cars and trucks that run on gas and diesel. She believes that taking drivers’ choices away in 15 years could cost many Americans their jobs.“I hope we can change our mindsets that’s to collaborate and bring these brilliant minds so California does have a path,” she said.A path that leads drivers back to the car lot where dealers like Wesney are preparing for the fuel of the future.“It will just be interesting to see how the powergrade and everybody adjusts to the increase demand for electricity,” he said. 2334

WEST PALM BEACH, Florida — An Ohio man who flew to Palm Beach County in order to smoke a joint with President Donald Trump at Mar-a-Lago ended up under arrest instead, according to a sheriff's office report.The report says 27-year-old Tyler Jon Marrone of Columbus, Ohio, arrived at Palm Beach International Airport on April 18, the same day the president was hosting?Japanese Prime Minister Shinzo Abe in Palm Beach.Marrone said he found a credit card that he thought was a gift from God so: "I bought myself a plane ticket to Florida to go see the President," the report states.A detective investigating the case said Marrone intended to drive to Mar-a-Lago, walk in and talk to Mr. Trump about "the static and frequency feedback that I constantly hear emanating from my basement and from fans and in my head." He wanted to figure out what they are saying, the report noted.Marrone also admitted that he had been kicked out of the Supreme Court Building in Ohio as well as several courthouses, according to the report.It was decided that Marrone met criteria for the Baker Act, which allows for an individual to be involuntarily committed.An investigator said while checking Marrone's bag a white substance was discovered that later tested positive for methamphetamine. The sheriff's office charged Marrone with possession of a schedule II substance. 1400

While Democrats are projected to take control of the US House, the party hoped that a blue wave would include winning a number of major gubernatorial seats. But in two larger states, Republican candidates hung on and won in Florida and Ohio. This came as some polls showed Democrats leading in those states heading into Tuesday's Election Day. In Florida, Republican Ron DeSantis held off Andrew Gillum, the Democrat who is the mayor of Tallahassee. DeSantis held a 1-percent advantage with more than 99 percent reporting. In Ohio, Republican state Attorneys General Mike DeWine defeated Democrat Richard Cordray. Cordray was previously appointed to the Consumer Protection Finance Board by President Barack Obama. DeWine had previously defeated Cordray in 2010 for the state's AG position. In a fierce battle in Georgia, Democrat Stacey Abrams said she is vowing to continue her fight despite trailing Republican Brian Kemp by a 51 to 48 margin late on Tuesday. The only county with outstanding votes remaining is the Democratic stronghold of Fulton County, which includes the city of Atlanta. If Kemp falls below the 50-percent threshold, the race will go to a runoff. Kemp has come under fire from Abrams' campaign for administering the election as secretary of state while running for governor. Abrams' campaign added that they expect that there are still nearly 45,000 uncounted votes in Democratic-leaning counties from paper ballots.In Iowa, Republican Kim Reynolds, who was previously the lieutenant governor of the state, defeated Democrat Fred Hubbell in a tight race. Although the results were disappointing for Democrats in Florida in Ohio, the Democrats have turned over at least four governor's seats on Tuesday. In Kansas, Democrat Laura Kelly is projected to win the seat there. Congresswoman Michelle Lujan Grisham was elected to New Mexico's governor seat. J.B. Pritzker, a first-time candidate and venture capitalist, won the governor's seat in Illinois. Former Michigan state senator and prosecutor Gretchen Whitmer was elected as the governor of Michigan.  2185

With a population density of six people per square mile, few places are quite as suited to ride out COVID-19 as Wyoming.But in the south-central part of the state, close to the Colorado border, sits a ranch that might offer the best accommodations of all.At ,000 per night, renting out Magee Homestead might not be for everyone, but for the clients it does attract, it offers an opportunity to quarantine with family while offering the ability to vacation with fly fishing, archery, and horseback riding.“The decision was either to open or not,” said ranch proprietor Jeremy Belnap. “Then, we slowly started to get inquiries for families wanting to get away.”Like so many businesses across the country, the ranch had to answer a difficult question during the months of March and April.“We had originally chosen to close the ranch for the season and open back up for the 2021 season,” said Belnap.With 7,500 acres of land to tend to and dozens of living spaces that require electricity, the prospect of closing was daunting and carried loads of overhead.“Financially, we suffer if we close the night with two or four guests on property,” Belnap said. “We have a staff of 45 dedicated people. We spend that much on labor in a day so it can cripple you.”As it was preparing to close, however, the ranch started getting calls from families, some of whom had stayed at Magee Homestead previously, that were interested in renting the entire ranch out.After some consideration, Belnap and the staff made the decision to switch their business model to accommodate the buyouts, allowing them to stay open while offering the families a chance to stay safe away from home.“It’s like we’re quarantining together,” said Belnap. “[It was] a light bulb moment. We took enough phone calls to say this could really make sense.”At capacity, the ranch can house up to 12 couples at a time. At approximately ,000 per guest per night, it requires a sold-out crowd on each night to reach its revenue ceiling, but Belnap says the buyouts offer more revenue with fewer question marks, and it is something they plan to continue once the worst of COVID-19 passes.“It’s very efficient,” said Belnap. “It’s a lot of fun having a family here for entire week, where you really get to know the family and the kids.” 2297