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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

While travel advice abounds for the best times to buy the most affordable holiday plane tickets, flying during some of the year's busiest travel periods generally isn't cheap.In this era of packed airplanes, smaller seats and fees for extra leg room, what airline is going to offer inexpensive fares around Thanksgiving, Hanukkah, Christmas and New Year's? Common business sense dictates that high prices will follow high demand.What are procrastinating travelers to do besides drive or take the train to get to their destinations? CNN checked with airfare experts for some general advice and ways to dull the price pain: 644

White House press secretary Sarah Sanders declined to name members of the so-called "fake news media" that President Donald Trump calls the "true enemy of the people." 175

While there are still questions about whether trick-or-treating will happen in 2020 and how neighborhoods will make it possible, there is no question Americans like their Halloween candy.Sales of Halloween candy and chocolate at grocery stores are up 17 percent over 2019 so far this season, according to the National Confectioners Association. Total sales, including online purchases, is up 13 percent year-over-year.The National Confectioners Association, NCA, represents manufacturers and suppliers of sweet treats, gum, mints and chocolates.Their research showed chocolate is driving the increase. Halloween chocolate sales are up 25 percent over 2019 so far. The NCA released data over the summer showing chocolate was the treat of choice of Americans during the pandemic, with sales increasing five percent March through August over the same time period in 2019. Sales of premium chocolate during that time was up 12 percent year-over-year. Ferrara Candy, which makes Sweetarts, Nerds, Brach’s Candy Corn, Gobstoppers and more, said Halloween sales bring in about .5 billion in sales. In an interview with Axios, CEO Todd Siwak said their company learned a lot from the drop in sales for Easter. This was also the time many stores were closing because of lockdowns to stop the spread of the coronavirus. Even as shopping has picked up a little, they have made some changes.“As the frequency in-store is reduced by the shopper, so fewer trips but bigger baskets, we wanted to make sure we were there presenting the opportunity to consumers,” Siwak said. He added Ferrara Candy created more individually-wrapped confections and got product to stores earlier to extend the selling season.There are still about three weeks until Halloween, and the industry expects sales to increase. Siwak says about 60 percent of the sales for Halloween candy happen in the last few weeks before the holiday.The NCA data also suggested Americans are getting more excited for Halloween in 2020. They found 80 percent believe they will find creative and safe ways to celebrate this year. The response was just 63 percent in July. 2125

When talking about veteran mental health, much of the conversation is centered on post-traumatic stress disorder (PTSD) and traumatic brain injury (TBI). While both are widespread and debilitating, the mental health-related challenges veterans face go beyond these conditions.Dependable, courageous, and in peak physical shape, Theresa Larson chased perfection when joining the Marine Corps.“I wanted to be the exemplary Marine," said Larson. "To the T. What does a good Marine officer do? I had to do that.”A stellar student and Division 1 college athlete, she had been training for a challenge like this her entire life. With two older brothers in the military, Larson was well aware of the unique challenges she'd face as a female leader. “You have to be really fit and healthy. You have to be fitter than them. They're going to look at you physically and see how you perform," said Larson.Leader of a platoon, Larson was responsible for more than 50 Marines, working to earn their respect while training them for war. “You already fit in if you’re a male, if you’re a female, it's what is she going to do for me? Kind of attitude. And I was prepared for that," said Larson.But chasing perfection would come at a cost; her own well-being was no longer a priority. As the 12 to 15-hour days and mounting pressure felt out of her control, Larson latched onto what she could control. “The drug was food for me, so it ended up turning into the bulimia end of the first year," said Larson.With rigid fitness standards and weight requirements, the National Eating Disorders Association says service members are at especially high risk for eating disorders.“Abuse of fitness and nutrition tends to be the thing. It might not be full-blown bulimia or anorexia, or anything like that, but it can be a lot of disordered eating. Obviously, with yo-yo dieting, too much exercise or too little exercise can affect your focus," said Larson.Before deploying to Iraq, Larson sought help from a friend but didn’t disclose her illness to the military, fearing she’d lose her job.“I tried to make everyone realize I would be OK because I didn’t want to let the Marines down. You know, mission accomplishment and troop welfare are kind of the things we thrive on as Marines, especially Marine leaders," said Larson. No longer at a desk, leading operations and landmine missions, the responsibility to protect her platoon had never felt greater."It dawned on me, 'gosh, I’m really not OK. And this is not about me. It's about all the Marines I’m taking care of. So yeah, I’m sick, and I’m going to affect someone else.' It was a wake-up call," said Larson.Larson was sent home and said she had to fight to get treatment in the military. While grateful they covered 12 weeks of care in an outpatient rehabilitation clinic, Larson says she was on her own to continue getting help.“Anyone knows that has an addiction, it’s not just a, 'OK, you're done.' It's a continuous, daily decision and practice. And so, I ended up paying for my own care after that for a while," said Larson. "It was a couple of years until I stopped the symptoms of bulimia, and then was just dealing with what was left-- the depression, the anxiety, and managing that.”She says getting healthy became her job. And after the military, Larson helped others do the same. She wrote a memoir about her military experience and has since been contacted by countless service members and veterans struggling with similar challenges. “As a leader, there's a fine line of when you push yourself and when you need to ask for help. And asking for help, I’ve learned, is not a weakness. It’s a strength," said Larson.After earning a doctorate in physical therapy, Larson and her husband founded Movement Rx, a program helping people around the country uncover the root cause of their pain and injuries. “Just because someone is in a wheelchair, that’s not the only thing going on. Or if someone looks like they’re fine, it doesn’t mean they don’t have something going on," said Larson. In addition to free online resources for veterans, Movement Rx has free in-person training for veterans in San Diego. “We have our health care platform that veterans can use, offering mindfulness and meditation, nutrition support, fitness, as well as movement, working through injuries," said Larson. While there's more help now for struggling veterans and service members, Larson knows asking for it is still just as hard. “You asking for help, it's going to open more doors and more growth than you can ever imagine, but you have to take that vulnerable leap, and that's when life really happens." 4633

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