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The average 401(k) balance rose 17% last year to 2,300 from the end of 2018, according to a review of 17.3 million accounts by Fidelity Investments. The average individual retirement account, or IRA, balance rose the same percentage to 5,400.Surging markets around the world were a big reason for the growth: The S&P 500 index had one of its best years in decades with a 31.5% return. Investments of all types logged gains, from junk bonds to stocks from developing economies.But workers’ better savings habits also played a big role.Fidelity said the average worker set aside 8.9% of their pay in their 401(k) in the fourth quarter, a record. Combined with employer matches, the average total savings rate was 13.5% in the quarter, tying its record last reached in the spring of 2019.“Nobody can control the market, so the behaviors of people contributing to their 401(k)s are what get us the most excited,” said Katie Taylor, vice president of thought leadership at Fidelity. “We have people saving 13.5%, which is really close to the 15% that we recommend. That’s a great story.”In many cases, workers may not even realize they’re saving more. Most employers give the option for workers to automatically increase their contributions each year, without having to do anything. Some employers even automatically sign up their employees for these auto-escalation programs, requiring them to opt out if they don’t want their contribution levels to steadily rise.Such features are on top of programs where employers automatically enroll new hires in the 401(k) plan. They all lean on the power of inertia to help workers build up bigger nest eggs. It’s a sharp turnaround from earlier years when workers had to take an extra step to join the 401(k) plan and fill out paperwork whenever they wanted their contribution levels to change.“There’s always a way, if you don’t want to do it, where you can unenroll, but these automatic programs have been a game changer,” Taylor said.Consistent contributions — and giving them time to grow — are keys to building bigger portfolios. Among workers who have been in their 401(k) plan for 10 straight years, the average balance rose to a record 8,200, according to Fidelity.Such figures, though, count only people who have a 401(k). Many lower-income workers, particularly at smaller employers, could not save in a 401(k) even if they wanted to because their companies don’t offer access to one. Legislation passed late last year aims to make it easier for smaller employers to band together and offer plans.Nearly half of all U.S. households aged 55 and over, 48%, had no retirement savings at all as of 2016, according to estimates from the Government Accountability Office. 2737

The high school basketball star whose refusal to get a chickenpox vaccine got him banned from school and the team came down with the illness last week, recovered and is back in class, his attorney told Scripps affiliate WCPO on Wednesday.Jerome Kunkel’s attorney, Chris Wiest, said the Northern Kentucky Health Department lifted the ban on Kunkel and their case is now in appeals court. Kunkel plans to seek a jury trial and ask for monetary damages, Wiest said.Kunkel, a senior at Assumption Academy in Walton, 524

The federal government’s Real ID Act goes fully into effect next fall which will change the acceptable form of ID required to pass through airport security, regardless of your flight’s destination.Passed by Congress in 2005, the Real ID Act requires every air traveler 18 years or older to have an ID marked with a star located in the upper portion of the card.The Real ID Act enacted the 9/11 Commission’s recommendation that establishes specific federal requirements for state-issued driver license and identification cards.American passengers who do not have a Real ID-compliant license will need to show 620

The controversy surrounding a nurse woman who ran in the London Marathon and was denied the "fastest nurse" world record because she wasn't wearing a dress has sparked a conversation about how the image of nurses has changed.Although not all nurses arrive to work donning white dresses, the stereotypical image of nurses remains.The Guinness World Records admitted that its guidelines were "outdated, incorrect and reflected a stereotype we do not in any way wish to perpetuate," according to Guinness World Records senior vice president Samantha Fay.Mary Lou Creech has been a registered nurse for the last 50 years, and her uniform used to be what you would expect for a stereotypical nurse. A lot has changed over the past decades, especially with her uniform.“I wore the white dress the white shoes the white hat,” Creech remembers. “In ICU that was a nightmare. But that's the way it was, and you just worked around it.”Now, at Vascular Institute of the Rockies, she works in scrubs, which is why she was surprised to learn a nurse was denied a spot with Guinness World Records as fastest marathon runner wearing a nurse's uniform because she wasn't wearing a dress.“That's too bad,” Creech says. “I mean it should be the job that they did, not what they're wearing.”“We were excited to see that social movement and see this new outcome,” says Liz Stokes with the American Nurses Association.Stokes says the image of nursing has changed, and not just in attire.“It's more diverse than the traditional what we saw years ago,” Stokes says. “You know we're more racially and ethnically diverse. Gender diversity as well as age.”She says this conversation can help to shatter stereotypes, but there is still more work to be done.“Our goal is to hope that we reflect what our patient’s population appears to be and we're not there,” Stokes says. “So, we still have a significant way to go.” 1902

The Dow staged a late day comeback on Thursday, ending 260 points higher to close another volatile day on Wall Street.The Nasdaq closed narrowly higher, up 0.4% and the S&P 500 was up 0.8%.Thursday's action came a day after the 244

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