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There's a new program aimed at helping Black and Latinx students succeed.The Equity in Education Initiative was built through a partnership between Walmart and North Carolina A&T State University.The program acknowledges many of these students start at a disadvantage, because they go through under-funded school districts.“These students are coming in sometimes with academic gaps that are due to no fault of their own. It's not a difference in ability, it's just a difference in their zip code,” said Kevin James, Dean of the Deese College of Business and Economics at North Carolina A&T.The program is broken up into four focus areas, addressing specific needs of different students. They include financial resources and mentorship while in school, and then network building to create career opportunities their white counterparts may already have.“So many people actually obtain their jobs through networks, because they know someone who knows someone, and many of these students, most of them come in without those built in networks and their families don't have those networks,” said James.The hope is that the positive effects of the program will extend outside of school, allowing successful students to invest and give back.“It's not just about the impact on the student. It's about multi-generational impact on families and about extending those impacts into communities that often times have been under resourced,” said James.Some parts of the program, like the Black Male Initiative, will make resources automatically available to students.There will be an application process for the Leadership Cohort and scholarships.The program starts early next year. 1683

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 was briefly another participant swooping into Wednesday night’s vice presidential debate.For several minutes, a fly landed in Vice President Mike Pence’s hair, not moving as he answered questions about racial injustice and whether justice has been done in the death of Breonna Taylor.Conversation about the fly briefly dominated corners of Twitter, where debate watchers discussed their distraction and inability to focus on Pence and California Sen. Kamala Harris’ answers. Some joked about the need to test the fly for the coronavirus, as it had skirted the plexiglass partitions separating the candidates and moderator.Wednesday night’s intruder wasn’t the first to take center stage at an election year debate. In 2016, a fly briefly landed between Democratic nominee Hillary Clinton’s eyes during a town hall-style debate with now-President Donald Trump.The Biden campaign used the fly incident as a fundraising opportunity: 944

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

TONGANOXIE, Kan. -- A small piece of fabric kept near a classroom door could help protect students in the event of an active shooter. It was three months ago that kindergarten teacher Tiffany Parker was sitting on her living room floor cutting up a fire hose. "One fire hose makes about 100-110 sections, and I had three hoses donated," said Parker, who teaches at Tonganoxie Elementary School in Kansas.Parker used to be the volleyball coach at Tonganoxie High School. She would use old fire hoses to line her practice drills. Now, the fire hose is keeping her classroom safe and secure when it's not just a drill. "We've always done the typical, you know, cover your window, lock your door, move away, but that never seemed to give us enough security," said Parker. On February 14, 2018, 17 students were killed in a school shooting in Parkland, Florida. "You know, seeing my kids' faces when they were first told, 'OK, if somebody comes in, here's what we're going to do,' before I had the Safety Sleeve, and they were still a little fearful," said Parker. Now, in her classroom of 21 students, Parker keeps the 6-inch piece of fire hose hanging by a magnet near the top of her classroom door. In a matter of seconds, the "Safety Sleeve" can be in place."All you do with it is you place it over the door hanger arm, as far as it will go and then they can't get in the door, it won't open," said Parker. The day after the Parkland shooting, Parker brought the Safety Sleeve into her classroom at Tonganoxie Elementary School. After showing her students how it works, Parker said her students felt more secure. "There was such a sense of relief and a sense of security by my kids and a sense of, 'OK, this isn't going to be it,'" said Parker. Parker presented the DIY device to her school principal. Now, she's made hundreds of them for the entire Tonganoxie School District. While she's created a low-cost safety device, Parker said she has no plans to make any money off of the Safety Sleeve. "So many people have asked me, 'Are you going to patent it? You should sell it.' I am not looking to make a dime on kids' lives," said Parker. California, Ohio and South Dakota have already picked up on the idea. Parker said school districts and fire departments have reached out to her to get the Safety Sleeve idea going in their own communities.   2444

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