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There's a lot of negativity on social media. Black trauma and negative views around the Black experience are showing up there, especially now.A new initiative called "Black Joy Matters" is trying to change this.“There's a huge importance in showing that Black existence is not all death, it is not all trauma, it is not all racial injustice,” said Shavone Charles. “It's a call for us to acknowledge our joy and acknowledge our healing and happiness during a time when we need it most.”Charles is leading the "Black Joy Matters" initiative for photo-sharing platform VSCO. About 76% of people in a new survey they did with Gen Z say they regularly or often see depictions of racial violence on their social media feed and it hurts them emotionally. Their feelings include hopelessness and anger.“We deserve to live our lives in spectrum, and you know showcase what those experiences look like inclusive of the trauma but not exclusive to trauma,” said Charles.A psychologist we spoke with agrees that it's important not to define the Black experience just by racial oppression. He says it's easy to do because there is so much of it. And Black joy can get overlooked.“Yes, we are sort of in the midst of all of these sorts of negative incidents, but even in the midst of those incidents, we not only sort of persist and survive, but we can and often times do continue to thrive,” said Kevin Cokley with UT Austin’s Department of of Educational Psychology.Cokley says the Black joy initiative is important for acknowledging the assets and strengths of the Black community, which is an approach that has been used in Black psychology for many years. But it can be helpful for others too.“I think it's helpful for non-Black people to recognize that you know the ways in which you might sort of caricature or stereotype Black people is very limited and does not give you the true perspective of their humanity,” said Cokley.He points at one positive we've seen from everything going on in our country now. It is bringing people together to be more civilly minded and socially justice oriented.The survey from VSCO also found 84% of Black Gen Z feel they have allies of other races on social media now. 2205

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

There's a growing number of complaints on social media about a new way to see movies in theaters.MoviePass lets you see a new film every day for just a month. However, members nationwide say they're being dropped from the program for violating terms of service that state, no 3D or premium movies.Many customers are wondering if MoviePass is eliminating members who see too many movies — such as four or five a week."My pass was terminated. They claimed that I had used the pass for premium tickets. [But I] Never [did], I am a rule follower," Deb Tobin said after being asked if she had ever used her pass for a premium movie.MoviePass CEO Mitch Lowe says theaters may have mistakenly sent users to a premium showing.The best way to keep your pass from being terminated is to read the rules and follow them closely.Full MoviePass statement:"A small percentage of MoviePass users were removed from the system, due to violating the terms of service. We diligently review card transactions to prevent fraudulent activity and take our Terms of Service agreement very seriously. If individuals abuse the service, we must take action so that our model continues to be sustainable for everyone. If customers do feel there has been a mistake, they should feel free to reach out to MoviePass customer service via the phone number on the back of their card. We are diligently reviewing all complaints on a case by case basis." 1438

Tom Steyer is spending another million to put a second anti-Donald-Trump advertisement on national television -- this time taking aim at the President's tax overhaul push.The ad comes less than a month after the Democratic mega-donor and billionaire environmentalist spent million on a one-minute ad calling for Trump's impeachment.The second installment of Steyer's anti-Trump ad campaign begins Thursday with a spot filmed on Steyer's ranch in Pescadero, California. 484

This week countless photographs have offered close-up depictions of the destruction caused by California wildfires. Now, with the help of its satellites, NASA has released pictures giving a different perspective.NASA's Landsat 8 satellite captured this first image of the Camp Fire on the morning of November 8, just a few hours after the blaze had broken out. That fire grew quickly, torching 20,000 acres in less than 14 hours. At one point, it grew by a average of more than one football field every three seconds.The fire in the picture is highlighted, and beneath that smoke the flames are encroaching on the northern California community of Paradise, where it's estimated that up to 90% of homes have been destroyed.The second image, captured by NASA's Terra satellite, gives a better sense of the scope of the Camp Fire in relation to the state. Smoke from the blaze obscures a wide swath of the northwestern part of the state, stretching south from Paradise to just north of San Francisco. 1005