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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

The World Against Toys Causing Harm (WATCH) safety advocacy group named 10 toys that are "potentially dangerous" and "should not be in the hands of children."According to WATCH, the group says that some toys have inconsistent and inadequate warnings, and pose safety hazards. WATCH issues an annual list of toys that it finds are exceptionally dangerous for children. "Due to poor design, manufacturing and marketing practices, there are toys available for purchase today with the potential to lead to serious injury and even death," WATCH said in a statement. "WATCH urges parents and caregivers to take precautions when buying toys— especially during the upcoming 2017 holiday season."Although the toys are considered dangerous, the toys listed meet federal safety regulations. Here is the list of 10 toys WATCH said consumers should avoid, or exercise caution when using: Top 10: 930

This year has brought a lot of changes for everyone and there could be a chance that those changes could translate to savings on your insurance policies.Bankrate is encouraging people with home and car insurance to take a fresh look at their policies.“You could save anywhere from a few dollars to a few hundred dollars, but it is going to depend on location, it is going to depend on your lifestyle, and how it has changed vs the past. So, it is worth comparing and really kicking the tires on various insurance policies from different companies,” said Stephen Kates, Insurance Analyst at Bankrate.There are several lifestyle changes that could have happened this year.Many people took on home improvement projects during this pandemic. Some of those may have included adding safety features to our home, which can help save money on home insurance.A lot of Americans are also driving a lot less now, which can help with car insurance.“If you're working from home, like a lot of us, you're probably driving significantly less than you used to and that's something you can bring up to your insurance carrier because that can significantly reduce the amount you pay for your premium,” said Kates.Insurance policies haven't necessarily changed, but the way insurance companies look at lifestyle changes may have changed, so it's worth checking in on your policies. Experts at Bankrate suggest doing so at least once a year. 1429

This election season, Demetrius Short is hustling to get his people to the polls.“We have the wonderful opportunity as African American men to be here today,” Short said to a group of young African American voters outside a polling site in Nashville, Tennessee. “The next John Lewis might be right here.”Short is the founder and CEO of the Transformation Life Center and Steps of Success 5K, nonprofits mentoring youth living in underserved communities. Now, Short and his team are using physical fitness to inspire political change by leading young Black men on runs and talking about becoming better people afterwards.“Going out, taking your niece and nephew that may not have a father, being that father or mother example to them and just be the change you want to see,” Short said.During this presidential election, Short is reaching out to college students from Fisk University, a private historically Black college in Nashville.“We’re here to come out here and inspire change in our community and inspire young people to really vote,” said Myles Harris, a recent Fisk University graduate.Harris says he is motivated to get more members of African American communities to have their voices heard and their votes counted.“A lot of people don’t vote because they don’t see the point, they don’t understand why it’s so important,” he said.Many members in the local African American community do understand the importance of this election and are calling this political movement inspiring.“Us Black folks are still fighting. It’s time for a change, man,” said Norman T. Wilson. “So, it’s good that they are trying to get them to vote. votes matter, whoever they vote for.”According to the Pew Research Center, the Black voter turnout rate declined in 2016, falling to 59.6% after reaching a record-high 66.6% in 2012.That’s a trend Short wants to change, not by swaying young people’s votes, but through politics, one step and one vote at a time“We don’t have to riot. We don’t have to do it the bad way,” he said. “We can go to the polls and we can do it the democratic way. The way that our country, I believe our country was set up to do." 2151

TIMES SQUARE — Good riddance, 2020.The celebrations to ring in the new year will be much smaller than usual because of the ongoing pandemic, but many around the world are excited for 2021. One of the world's biggest celebrations will see its own changes. Instead of the usual crowd in Times Square for the ball drop, there will be fewer than 100 people at the Crossroads of the World to ring in 2021. Doctors, nurses, teachers, grocery store employees and transit workers will be invited to enjoy the celebration in socially distances pens while everyone else watches from home.There will be a live broadcast, but just a small in-person audience, Tim Tompkins with the Times Square Alliance said. "To make up the experience we have a new way to watch," he said. "Besides broadcast TV, there is a New Year’s Eve app ,which is interactive. You can even choose the camera angles.”The event will be headlined by Gloria Gaynor, Jennifer Lopez, Billy Porter and Jimmy Allen. So far, the biggest star for visitors is a large, illuminated 2021 display. It was driven more than 5,000 miles through 15 states to get to Times Square, according to Times Square producer Jeff Strauss. "As these numerals were being driven across the country by Kia drivers, people along the way at every stop were cheering," Strauss said. "Everyone can’t wait until 2020 is over."This story originally reported by Magee Hickey on PIX11.com. 1419

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