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This article provides information and education for investors. NerdWallet does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks or securities.If you’ve ever wondered how your retirement savings stacks up against your peers, you’re in good company. The desire to know where you land in the sea of retirement savers is natural, and it can help either kick-start more progress or give you a feeling of satisfaction. But no matter how the numbers make you feel, they may not be the best measure of whether you personally are on track for retirement.What is the average retirement savings?The 2019 Survey of Consumer Finances shows that the average retirement savings for all families is 5,130. The median retirement savings for all families is ,000.Taken on their own, those numbers aren’t incredibly helpful. There are a variety of decent retirement savings benchmarks out there, but how much money other people have isn’t one of them. Even breaking the numbers down by age won’t give you a great picture of where your own finances should be. After all, age is just one factor in how much you should save for retirement — and not everyone who is the same age will retire at the same time.But retirement savings balances do tend to increase with age, as they should — the closer you are to retirement, the more you should have stashed away. (If you’ve been struggling to fund retirement accounts, our guide on how to save money will help.)How much each age has saved for retirementA little fine print upfront: Because averages can be heavily skewed by outliers — in other words, the savings over- and underachievers in each group — we’ve also included median balances. The median can often provide a more representative number than the average, and you’ll notice that the median numbers are quite a bit lower than the averages. (All data is from the 2019 Survey of Consumer Finances, unless otherwise noted.)It’s also worth noting that both figures include only those who have retirement holdings — there are many people of all ages who do not. In 2019, only about half of families owned any kind of retirement account.Under 35Average household retirement savings: ,170Median household retirement savings: ,000Let’s start with millennials; they’re used to being under the microscope. In 2019, 45% of families headed by someone under age 35 had retirement accounts — meant here to include IRAs, Keoghs and certain employer-sponsored accounts such as 401(k)s, 403(b)s and thrift savings accounts.Of the families in this age group who have retirement holdings, the average value of those holdings is ,170, and the median value is ,000. In other words, 3,352 and 1,444 pieces of avocado toast, respectively.If you’re not sure how much you should save for retirement, it’s best to get an idea for it sooner rather than later — you don’t want to be heading into retirement without enough saved.Ages 35 to 44Average household retirement savings: 1,950Median household retirement savings: ,000This age range encompasses the oldest millennials and the youngest of Generation X. More than half (56%) of households headed by someone of this age have retirement accounts, according to the data.The average and median values of this group’s retirement holdings are significantly higher than those of the under-35 set. These are strong earning years alongside peak spending years. Particularly for those who have kids, dollars may be stretched around paying for child care, saving for college and saving for retirement. If you’re looking to increase those retirement savings, an IRA can be a great way to do it.Ages 45 to 54Average household retirement savings: 4,720Median household retirement savings: 0,000This group is still part of Generation X, with the oldest members about a decade from what’s considered the standard retirement age. About 58% of households headed by someone this age have retirement holdings, according to the SCF.These can be peak earning years, especially for men, who see earnings growth until age 55, according to compensation research firm PayScale. The company’s research shows women top out over a decade earlier, at 44.Ages 55 to 64Average household retirement savings: 8,420Median household retirement savings: 4,000These are baby boomers, and the oldest among them are knocking on retirement’s door — just a couple of short years from Social Security’s definition of full retirement age. About 54.5% of households headed by a baby boomer have retirement holdings.Ages 65 to 74Average household retirement savings: 6,070Median household retirement savings: 4,000The bulk of these households include someone who is in retirement, or at least of retirement age. As a result, many are at the stage when they are probably spending, rather than accumulating, savings. According to the SCF, 48% of this age group have retirement accounts.After this point, average and median retirement account values begin to fall, as does the percentage of people who have retirement accounts. For households headed by someone age 75 or older, the median value of retirement holdings is ,000, with an average holding of 7,920.What do these numbers tell you?The headline here: Most people aren’t saving enough for retirement and are entering retirement with very little stashed away.“If you use these numbers as your guiding star, you’ll likely be in the same state as most of the country: unprepared for retirement.”That’s just one reason why the average retirement savings for someone your age isn’t a benchmark. If you use these numbers as your guiding star, you’ll likely be in the same state as most of the country: unprepared for retirement.How much you should have saved, and how much you should be saving, have nothing to do with where others your age stand. It has everything to do with your income, planned retirement spending, expected retirement age and life expectancy.If you want to find out how much you personally will need to retire, aretirement calculator can help. And if that calculator tells you you’re behind? An IRA is a good place to start catching up.More From NerdWalletSure, Stocks Are Fun. But ETFs Are SmartThe Upsides to Thinking About When You Will Die4 Tax Triggers New Investors Need to Know AboutAlana Benson is a writer at NerdWallet. Email: abenson@nerdwallet.com. 6422

This afternoon around 3 pm, what police say appears to be a stray bullet came through one of our preschool classrooms. Thankfully, no children, teachers, or staff were injured.Our teachers immediately took the children to the chapel, locked down the campus, and called police. Officers arrived shortly after the incident and are now conducting their investigation. At this point, we don't have any information from the police on where the bullet came from but they do assure us that there is no ongoing risk. Given that the bullet fell just inside the window, it appears to have been fired at a great distance, and not be a targeted shooting, according to the police.All of our parents have been notified and are coming to pick up their children now. The school will be closed tomorrow. Out of an abundance of caution, the St. Petersburg Police will be providing additional patrol and security.We are extremely grateful that no one was injured and appreciate the fast action of our teachers, staff and the St. Pete Police to keep everyone safe. 1052

There have been 80 confirmed cases of the polio-like illness known as AFM in 25 states this year as of Friday, the US Centers for Disease Control and Prevention said Monday.In addition, there are 139 cases under investigation for a total of 219 confirmed and suspected.This is eight more confirmed cases than the agency reported last week and 20 additional patients under investigation.The CDC noted an increase in reports of patients under investigation who began experiencing symptoms in August, September and October. It has not identified the 25 states with confirmed illnesses, nor has it said how many states are reporting cases under investigation.AFM, or acute flaccid myelitis, is a rare illness that affects the nervous system, especially the gray matter in the spinal cord, and can cause muscle weakness and sudden onset of paralysis. Last month, the CDC said that 90% of patients since 2014 have been children under the age of 4, although adults can also develop AFM.Other symptoms include drooping of the face or eyelids, difficult eye movement, trouble swallowing or slurred speech.Research is underway to determine the cause of AFM, although there is a focus on enteroviruses, which can cause respiratory illness and West Nile virus, and other viruses in that family.According to the CDC, there have been 404 confirmed cases in the United States since August 2014. The number of cases may be higher, but the condition is not subject to mandatory reporting, so not all cases are reported to state health departments and therefore may not be counted by the CDC."Even with an increase in cases since 2014, AFM remains a very rare condition. Less than one in a million people in the United States get AFM each year," the CDC says.AFM peaks every other year seasonally in late summer and fall. but experts have yet to identify a single factor geographically or otherwise to explain the cause. Also unknown: why some patients recover and others have prolonged effects. 1985

This morning, I tested positive for COVID-19. I am experiencing mild symptoms, and am following all appropriate protocols, including being in quarantine and conducting contact tracing.— Andrew H. Giuliani (@AndrewHGiuliani) November 20, 2020 249

This article, published in the July 8, 1982 edition of the New York Times, described why Alferd Packer's bust was temporarily installed at the Colorado State Capitol. 174

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