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Retirement is just a numbers game to Carl Jensen, who quit his job when he was miserable and decided his family of four could live off less.“We save a lot of money,” Jensen said. “We (do) the electricity ourselves, too.”He’s at home with his family full time and is making it work by slashing the family’s expenses."I had a really bad day at work, and I remember thinking I had this incredible stress. I can't do this for the next 15 to 20 years of my life,” he said. "I don't need a new car, so I don't have a new car. I don't care about my clothes ... so I don't buy brand new clothes. And I have an old phone because honestly I don't want to learn a new phone."The family lives on just more than ,000 a year, an amount his retirement funds generate, along with his wife’s job at a startup."I realized early, retirement is just a number game, and if you're a saver and can be a little bit frugal when you're younger and let the stock market work for you, you can actually stop working early.""People that haven't saved very much for retirement still have great choices available to them if they're flexible."Kim Curtis, Wealth Legacy Institute CEO, understands Jensen’s choice isn’t for everyone and says approaches can vary."The key around your 40s is making sure that you don't give up the savings your started in your 20s,” Curtis says.People in their 20s should focus on a savings routine such as a 401K, Roth IRA and keeping credit card balances low. Those in their 30s need to focus on asking for a raise and building their salaries.Curtis says they need to be bold.People in their 40s have a tougher time if they have growing children. It’s harder to save."The key around your 40s is making sure that you don't give up the savings your started in your 20s,” she said.Keep building the money in your 50s and consider not fully retiring until your 70s. It’s not as bad as it sounds."The idea of not working and stepping off and not having any new income from the time you retire through life expectancy is really a fallacy now because a lot of people have side hustles and a side hustle in retirement could be an Uber driver. It could be a wag walk or dog sitting,” Curtis says.People who can keep working will benefit most, though.For the average person, ,000 a month at age 62 is all social security provides. And it’s ,425 at age 66.If you don’t draw until you are 70 years old, it jumps to ,800 per month, Curtis says."That's significant."Jensen decided working is not for him, but he picks up contract jobs in between repairing and adding on to his house, which he does himself. 2611

Some of the 33 parents charged Tuesday with cheating to get their children into prestigious schools may have paid enough in bribes to cover the full cost of a college education and then some.Two SAT/ACT administrators, an exam proctor, nine coaches at elite schools, a college administrator and 33 parents -- a total of 50 people -- are accused of participating in a scheme that involved cheating on standardized tests and bribing college coaches and others to admit students as athletes regardless of their abilities, prosecutors revealed in a federal indictment. The scandal is being called the largest college admissions scam ever prosecuted.FBI Special Agent Joseph Bonavolonta said some parents spent anywhere from 0,000 to .5 million to guarantee admissions for their children.The relatives of one applicant paid a California business owner .2 million to falsely describe the individual as the co-captain of a well-known soccer California soccer team, although the applicant did not play competitive soccer, prosecutors said.The average annual cost of tuition and fees at a private, four-year college is ,478, according to the most recent report from the US Department of Education's National Center for Education Statistics."This case is about the widening corruption of elite college admissions through the steady application of wealth combined with fraud," Andrew Lelling, the US attorney for Massachusetts, said. "There can be no separate college admission system for the wealthy, and I'll add that there will not be a separate criminal justice system either."The parents alleged to have been involved include CEOs, a fashion designer, the chairman of a global law firm and actors including Felicity Huffman and Lori Loughlin, Lelling said.He added, "For every student admitted through fraud, an honest, genuinely talented student was rejected."How the money was spentMuch of the indictment revolves around William Rick Singer, the founder of a for-profit college counseling and preparation business known as The Key."OK, so, who we are ... what we do is we help the wealthiest families in the US get their kids into school," Singer told one parent, according to prosecutors.Lelling explained the two main avenues for carrying out the scheme."I'll speak more broadly, there were essentially two kinds of fraud that Singer was selling," Lelling said of the accusations that span from 2011 to 2019. "One was to cheat on the SAT or ACT, and the other was to use his connections with Division I coaches and use bribes to get these parents' kids into school with fake athletic credentials."For example, prosecutors said Singer and his co-conspirators used stock photos of a person playing a sport and then put the face of a student onto that image via Photoshop.Singer was paid roughly million by parents to help their children get in to schools, the US attorney said.Singer pleaded guilty on Tuesday to racketeering conspiracy, money laundering conspiracy, conspiracy to defraud the United States and obstruction of justice, prosecutors said.Actresses are allegedly on tape discussing schemeBest known for her role on TV's "Desperate Housewives," Huffman is accused of paying ,000 to Singer's fake charity, the Key Worldwide Foundation, to facilitate cheating for her daughter on the SATs, the complaint says.Her daughter received a 1420 on her test, which was 400 points higher than a PSAT taken a year earlier without the same administrator, the complaint states.Huffman also discussed the scheme in a recorded phone call with a cooperating witness, the complaint says.Huffman has been charged with felony conspiracy to commit mail fraud and honest services mail fraud, according to court paperwork filed Monday in federal court in Massachusetts. She was arrested without incident at her home, the FBI said.She appeared Tuesday in a federal court in Los Angeles where a judge set bond for her at 0,000 and federal agents took her passport.Her next court date has been set for March 29 in Boston.Loughlin, who played Aunt Becky on "Full House," is facing the same felony charge. Her husband, fashion designer Mossimo Giannulli, was also charged with conspiracy to commit mail fraud and honest services mail fraud.Giannulli and Loughlin allegedly agreed to pay bribes totaling 0,000 in exchange for having their two daughters designated as recruits to the USC crew team, even though they did not participate in crew, the complaint said.The money was given to Singer's fake charity, and in a recorded phone call Singer clarified that the money was actually for getting their daughters into USC crew, according to the complaint.Giannulli appeared in court Tuesday, where a magistrate judge set a million bond and ordered him to surrender his passport.Even though she was not present in court, prosecutors and Loughlin's attorneys agreed on similar terms as well as permission for her to travel to Vancouver and back for work.CNN has contacted Iconix Brand Group, which owns Giannulli's namesake fashion company, Mossimo.CNN is also working to get comment from the actresses' representatives.The colleges involvedCoaches from Yale, Stanford, the University of Southern California, Wake Forest and Georgetown, among others, are implicated in the case. The extensive case involved arrests in six states across the country."The Department of Justice believes that Yale has been the victim of a crime perpetrated by a former coach who no longer works at the university," the university said in a statement sent out to the school. "The corrupt behavior alleged by the Department of Justice is an affront to our university's deeply held values of inclusion and fairness."Georgetown told students that the coach arrested in their case, "has not coached our tennis team since December 2017, when he was placed on leave after the Office of Undergraduate Admissions identified irregularities in his recruitment practices and the University initiated an internal investigation."The University of Southern California said it is reviewing its application process.What happens to the students?It was not an accident that no students were charged on Tuesday, said Lelling, the US attorney. The parents and other defendants were "the prime movers of this fraud," he said. He said students may face charges down the road. 6345

Rep. Matt Gaetz (R-Florida) wore a gas mask on the House floor Wednesday while voting on a bill that would appropriate funds to fight COVID-19, better known as the coronavirus.Gaetz tweeted a photo of himself wearing the mask Wednesday afternoon prior to a vote on a bill that would appropriate a total of .3 billion in federal funds to fight the virus and expand access to health services for seniors.Gaetz wore the mask the same day that an 11th person died of COVID-19 in California — the first death related to the disease outside of the state of Washington.Fellow lawmakers ribbed Gaetz in a series of tweets."You won't believe the shoes Matt Gaetz is wearing today. #FloridaMan," Rep. Jim Himes (D-Connecticut) 731

Students whose families make less than ,000 a year will be able to attend the University of Texas flagship campus in Austin without having to worry about tuition.To make attending college more affordable for low-income students, the University of Texas System of Board of Regents voted unanimously Tuesday to create a 0 million endowment for financial assistance from the state's Permanent University Fund, according to a 441

ROCKFORD, Illinois — A U.S. Marshal who served a search warrant at an Illinois hotel on Thursday died from his injuries.Officials said Floyd E. Brown, 39, shot the McHenry County deputy through the door of the hotel room. He then fled in a silver vehicle. Authorities chased Brown at about 100 miles per hour on Interstate 55. Brown allegedly brandished a gun and pointed it at police during the pursuit, which ended with him spinning out in Logan County, Illinois.Brown was holed up in his vehicle on I-55, which was shut down in both directions. As of 3:20 p.m. Eastern he was still barricaded inside the car.Police said Brown has opened his car door several times but is staying in it. They are also interviewing others in connection to the incident.A SWAT team and crisis negotiators were called to the scene where Brown is barricaded. 851