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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

Robert Poirier with his sons Brendan, 8, and Max, 10, with Brendan's catch, a 300-pound, 9-foot dusty shark while fishing with BlacktipH Fishing guide Josh Jorgensen. 178

Sen. Ted Cruz, R-Texas, announced on Sunday that he is self-quarantining himself after learning that he had interacted with someone who tested positive with COVID-19 at last week's CPAC Conference. The conference was attended by top Republican officials, including President Donald Trump and Vice President Mike Pence. Cruz confirmed in a statement on Sunday that he briefly interacted with the patient, and that he shook hands with the person. Health experts said that the public should avoid direct contact with those carrying the virus, no matter if they're showing symptoms. Cruz said in a statement that he has not come down with any COVID-19 symptoms, and has been in contract with a number of officials, including Pence and newly-announced White House Chief of Staff Mark Meadows. He added that he is self-quarantining as a precaution as his brief interaction does not meet the federal standard for self-quarantine.Cruz issued the following statement on Sunday:"Last night, I was informed that 10 days ago at CPAC I briefly interacted with an individual who is currently symptomatic and has tested positive for COVID-19. That interaction consisted of a brief conversation and a handshake."I have consulted with medical authorities from the Houston Health Department, the Harris County Public Health Department, the Centers for Disease Control and Prevention, and the Department of Health and Human Services, as well as my personal physician. I have also spoken with Vice President Pence, Leader McConnell, and Mark Meadows."I'm not experiencing any symptoms, and I feel fine and healthy. Given that the interaction was 10 days ago, that the average incubation period is 5-6 days, that the interaction was for less than a minute, and that I have no current symptoms, the medical authorities have advised me that the odds of transmission from the other individual to me were extremely low."The physicians further advised that testing is not effective before symptoms manifest, and my brief interaction with the individual does not meet the CDC criteria for self-quarantine."The medical authorities explicitly advised me that, given the above criteria, the people who have interacted with me in the 10 days since CPAC should not be concerned about potential transmission."Nevertheless, out of an abundance of caution, and because of how frequently I interact with my constituents as a part of my job and to give everyone peace of mind, I have decided to remain at my home in Texas this week, until a full 14 days have passed since the CPAC interaction."Everyone should continue to treat this outbreak seriously and be driven by facts and medical science. We need to continue to be proactive in mobilizing resources to combat this outbreak-including the .3 billion in emergency funding we provided last week-and I encourage everyone to follow the recommendations of the CDC and other health professionals in protecting their own health and welfare, as well as the health and welfare of those around them." 3022

Robert Mueller's investigation into possible obstruction of justice could not clear President Donald Trump, according to a redacted version of the 158

Sears' decline continues to accelerate as on Friday the company announced that it will close 80 Sears and Kmart locations in March. The announcement came on the same day that Sears faced a deadline to find a seller for the company as part of its bankruptcy. The 80 locations that will close in March is in addition to 40 locations that are scheduled to be shuttered in February. Of the 80 locations to close, 43 are Sears stores and 37 are Kmart. To see a full list of stores closing, click 503