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This year's pandemic could have a long-term impact on our country's healthcare system. The crisis is inspiring a new generation of health care professionals."Growing up, I was always pretty interested in science. I have a few family members who are in medicine and nursing," said University of Colorado fourth-year medical student Lauren Heery. "Helping people through my direct knowledge as a scientist, and now as a medical student, was I think what interested me the most."She, like many medical students across the country, has found herself in a unique situation because of the pandemic."As all of the COVID things happened, as medical students, we’re not able to continue with our clinical rotation, just given the increased risk to us, the patients, and limited supplies that needed to be prioritized for staff," said Heery.So, she shifted gears and ultimately made the decision to spend a year researching the virus."I got involved with a few projects with the infectious disease division at University Hospital, as I was sitting on my hands waiting to get back into the clinical setting," said Heery.One of those projects is looking at the racial and ethnic disparities in the disease."Coronavirus kind of came together with a lot of my interests that I had been kind of working on. But the pandemic really fueled me to do something a little bit different and try to help figure things out," said Heery.With thousands of medical students having to change their plans, Heery is not alone. But because of the pandemic, she says she has a renewed appreciation for her chosen field."Just hearing the frontline stories from the people who I know who have been working in the hospital during this time, just has made me so grateful that I am going into this profession," said Heery. 1793

This Thanksgiving is shaping up to be like no other.With the U.S. experiencing a spike in COVID-19 cases, the Centers for Disease Control and Prevention (CDC) is advising Americans to celebrate turkey day with the people they live with, as opposed to traditional feasts with extended family and friends.With many people celebrating the holiday is small groups, it may be easier and more cost efficient to order takeout or ready-made meals this year.Not only could ordering in save you money and work, it may also serve as an opportunity to support the restaurant industry that has been hit so hard by the pandemic, especially small establishments. The business could help them make up for lost revenue. A survey released by National Restaurant Association in September found that 1 in 6 restaurants was closed either permanently or long-term, nearly 3 million workers were out of work, and the industry was on track to lose 0 billion in sales by the end of 2020.There are endless options for takeout for your Thanksgiving meal. You could celebrate with any cuisine, but if you want to stick to traditional foods, some national chains are offering turkey day dinners. Here are a few:Denny’s – The restaurant is offering a family-style “Turkey & Dressing Dinner Pack” that can be picked up until 6 p.m. on Wednesday, Nov. 25.Cracker Barrel – Like in years past, the chain is offering meals for gatherings of all sizes, including its “Thanksgiving Heat n’ Serve Family Dinner.”Boston Market – This chain may also be an option, as it serves up plated meals, family meals, whole pies and hot side dishes.Offers.com also compiled a list of more than 30 restaurant chains that are open on Thanksgiving.Regardless of where you order from, consider leaving a tip for the restaurant employees who are not only working on Thanksgiving, but also in the midst of a pandemic. 1876

Thousands of California's weary wine country residents are confronting yet another devastating wildfire. The Glass Fire has scorched more than 66 square miles and destroyed about 95 structures. It's the fourth major fire in three years in the Napa-Sonoma area. The region is nearing the third anniversary of a 2017 wildfire that killed 22 people. For many, seeing the blaze come over the iconic ridges was a painful reminder of the losses in 2017. The sheriff acknowledged “fire fatigue." Further north, a wildfire burning in rural Shasta County has killed three people and destroyed nearly 150 buildings.Since the beginning of the year, there have been over 8,100 wildfires that have burned well over 3.8 million acres in California, Cal Fire said. This wildfire season has claimed the lives of 29 people after three more people died in the Zogg fire this week. 871

Thousands of youth sporting events were canceled this spring due to the COVID-19 pandemic.It's tough enough that kids are missing a whole season of baseball or soccer. But now, soccer moms and dads everywhere are growing frustrated.Many paid hundreds of dollars for their kids to participate in spring soccer leagues that ended up canceled, and refunds are turning out to be elusive. Some families paid over ,000 for two children to join private clubs.One weekend of play, 0 goneJulie Hooper is the mother of a third-grader who only got to play one weekend before the season was shut down."For the spring soccer league, we paid 5," she said.When parents called the head coaches after the cancellation, they did not get what they had hoped."We asked where our money is, and they are keeping all of it and told us we get a 10% discount if we sign up for next season," she said.Hooper said she would understand had they at least continued training, but there have been no tournaments, games or practices, and the club still has the parents' money."I've heard from other teams, other clubs, that they would get money back from tournaments not played," she said.Where is the money?But many clubs are not giving refunds. News reports and Facebook complaints show soccer parents nationwide are asking where the money has gone.Some teams say they prepaid for tournaments and are having problems getting those deposits back from larger sporting organizations. Others say much of the money went to field maintenance and insurance, and those funds are gone for good.Hooper said she doesn't expect a full refund, but "to pay 5 and get so little, it just seems like we should get something back. We feel we are deserving of that because we are all going through hard times."Some soccer clubs are applying for federal pandemic assistance and using that money to refund parents because they say they simply don't have the cash in the bank to give families their money back.As always, don't waste your money.________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Twitter (@JohnMatarese)For more consumer news and money-saving advice, go to www.dontwasteyourmoney.com 2275

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

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