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☆ Meet a couple with 5 kids who are barely making it despite working 4 jobs: 'It shocks me that $100k feels like poverty'
▼ + stars: | 2024-05-16 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +7 min

April Schultz, 40, and her husband Kevin, 45, bring in $130,000 a year in gross income combined between their four jobs and side gigs. Still, Schultz said it shocks her that such an income "feels like poverty." "We shouldn't have to have four jobs in one family," Schultz said. She said that while there are job opportunities in her area, most don't pay enough for the area's cost of living. They both anticipate downsizing once their kids have moved out and relocating to a more rural and cheaper place.

Persons: Schultz, Kevin, — Schultz, ALICE —, Stephanie Hoopes, United For ALICE, She's, Louis, she's, there's, We've, they're, they've, hasn't, It's, we've Organizations: Service, Costco, United For, Department of Defense, Scott Air Force Base, Amazon, Netflix, USDA, Aldi, Sam's Locations: California , Arizona, Minnesota, Idaho, Mascoutah , Illinois, St, Illinois, Missouri

☆ I saved $100,000 by 25 thanks to the good financial habits my mom and dad gave me. Here are my top tricks.
▼ + stars: | 2024-04-05 | by ( Aleenah Ansari | ) www.businessinsider.com time to read: +5 min

Money gave me the freedom to leave a toxic job, travel to Europe, and launch my career as a financial advisor. When I set out to save $100,000, I was 22, living in Seattle in 2016 and making $55,000 at my first corporate job. Saving $100,000 was a combination of privilege and hard work. I felt confident I could launch a successful financial education platform and take my financial education business, "Her First $100k," full-time. I wouldn't have hit my $100,000 goal as quickly if I hadn't routinely invested in these accounts.

Persons: Tori Dunlap, Roth, there's Organizations: Service, Business Locations: Seattle, Europe, Costa Rica

☆ Student-loan borrowers could see an easier repayment process through Biden's budget request — along with efforts to make college cheaper
▼ + stars: | 2024-03-11 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +4 min

It includes a $3.1 billion funding increase for the Education Department to help student-loan borrowers. AdvertisementPresident Joe Biden's budget wish list is out — and it includes boosted funding to help student-loan borrowers as they continue to navigate the return to repayment. Biden's budget request released on Monday outlines what his administration is seeking to prioritize in the final year of his first term. Additionally, the budget request proposes getting rid of student-loan origination fees, or fees a lender charges for processing a borrower's loan. However, many of the initiatives in Biden's budget request would require congressional approval, and with Republicans holding a majority in the House, it's unlikely it would pass in its current form.

Persons: —, Joe Biden's, Education James Kvaal, Pell Grant, Biden Organizations: Education Department, Service, Child, Social Security, Federal, Aid, Federal Student Aid, Education, College Fund, Republicans, Business, Management

☆ OnlyFans creators make money selling intimacy to their subscribers. But in a lonely and hostile world, the relationships can start to feel real.
▼ + stars: | 2024-03-06 | by ( Marta Biino | ) www.businessinsider.com time to read: +13 min

OnlyFans creators who spoke with BI said that losing friends and even family members was something adult-content creators often had to come to terms with. AdvertisementEven beyond adult content, creators face an intrinsic element of loneliness. Like other influencers and freelancers, OnlyFans creators often shoot, edit, and post their content alone at home. AdvertisementLike with other types of sex work, navigating OnlyFans can be difficult in a traditional monogamous relationship. Courtesy of LiensueThe money is what makes OnlyFans 'just so worth it'Many creators said money was the key factor that kept them on OnlyFans despite the stigma.

Persons: —, Rae Richmond, she'd, Richmond, Pani Farvid, Keily Blair, Kaitlyn Siragusa, You'd, she's, Elaina St James, I've, St James, Isla Moon, Cherie DeVille, Elaina, James, Amber, doesn't, Farvid, Sweetheart, Marie Lippmann, Liensue, I'm, Emme Witt, OnlyFans, That's, Witt, Siragusa Organizations: Service, The New School, Workers, BI, OnlyFans, California State University, Chico Locations: Richmond, New York, OnlyFans

MUSKOGEE, Okla. (AP) — The hallways of Bacone College are cold and dark. In the college’s historic buildings, there are leaks to plug, mold to purge and priceless works of Native American art to save from ruin. Founded in 1880 as a Baptist missionary college focused on assimilation, Bacone College transformed into an Indigenous-led institution that provided an intertribal community, as well as a degree. Across the country, there are only a few dozen tribal colleges, according to the American Indian College Fund, a nonprofit that supports Native American access to higher education. Tribal colleges must be sponsored by a federally recognized tribe and have a majority Native student enrollment.

Persons: aren't, Nicky Michael, Woody Crumbo, Fred Beaver, Joan Hill, Ruthe Blalock Jones, Bacone, “ Bacone, ”, Robin Mayes, Michael, Gerald Cournoyer, Cournoyer, Patti Jo King, King, Bull, Custer, Johnnie Diacon, Leslie Hannah, he’s, Midgley, Chris Oberle, KOSU, ___ Graham Lee Brewer Organizations: Baptist, Muscogee Nation Tribal Council, Lakota, Center, American, Kiowa, Huber Energy, Muskogee County Sheriff’s, MHEC, Associated Press, National Register of Historic Places, American Indian College Fund Locations: MUSKOGEE, Okla, shuttering, Muscogee, U.S, Cherokee, Bacone, Oklahoma, Ataloa Lodge, Sequoyah, Tulsa, Utah, Muskogee County

☆ A millennial sports bettor who's wagered nearly $1 million on FanDuel shares the 7 things new gamblers should do — and avoid
▼ + stars: | 2024-02-03 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +9 min

Read previewWhen states across the US started legalizing sports gambling in 2018, Jimmy, a New York-based sports bettor in his 30s, was ready. Since January 2022, Jimmy and his cousin have bet nearly $1 million through FanDuel and netted roughly $35,000 in winnings, according to a document viewed by Business Insider. Don't bet more than you're willing to loseJimmy said establishing a bankroll and unit size are important steps for new bettors. The unit size is the percent of the bankroll — Jimmy said ideally it's 1% — that gamblers dedicate to the typical bet. Despite his success with sports betting, Jimmy said he and his cousin both have part-time jobs.

Persons: —, Jimmy, FanDuel, Jimmy hasn't, they've, they'd, it's, bettor, parlays, shouldn't, Timothy Fong, Don't, he's, we'll Organizations: Service, Business, American Gaming Association, Sports, NCAA, NBA, WNBA, UCLA, Studies, National Council, Virgin Islands Locations: New York, Young, Canada, Virgin

☆ Netflix cofounder Reed Hastings just gave stock worth $1.1 billion to a Silicon Valley charity
▼ + stars: | 2024-01-30 | by ( Polly Thompson | ) www.businessinsider.com time to read: +2 min

He donated the holding, worth about $1.1 billion, to the Silicon Valley Community Foundation. The charity is favored by the elite of Silicon Valley including Mark Zuckerberg. AdvertisementReed Hastings, the cofounder and executive chairman of Netflix, has given away 2 million shares in the streaming platform. A Netflix representative told The Wall Street Journal the shares had been donated to the Silicon Valley Community Foundation. AdvertisementIn 2012 the Meta CEO and his wife, Priscilla Chan, donated 18 million shares worth about $500 million to the foundation.

Persons: Reed Hastings, Mark Zuckerberg, —, It's, Jack Dorsey, Priscilla Chan, Hastings, Marc Randolph, Patty Quillin, They've, Bill Gates, Warren Buffett Organizations: Netflix, Community Foundation, Service, Wall Street, Bloomberg, United Negro College Fund, Business Locations: Silicon Valley, Bay

☆ Reed Hastings sells $1.1 billion in Netflix shares
▼ + stars: | 2024-01-29 | by ( Rohan Goswami | In Rohangoswamicnbc | ) www.cnbc.com time to read: +1 min

Netflix co-founder and executive chairman Reed Hastings has gifted two million shares of his holdings in the streaming giant, according to a regulatory filing, with a current value of more than $1.1 billion. "We don't know what it could be, whether it's a charity or multiple charities," VerityData Vice President Ben Silverman told CNBC. Hastings retains just under three million Netflix shares with a value of around $1.7 billion. Though Hastings remains the executive chairman of Netflix, the company has no obligation to disclose the reason behind the gift or the beneficiary. Netflix shares are up nearly 23% year to date but are still around 16% below their 2021 high.

Persons: Reed Hastings, Hastings, it's, Ben Silverman, VerityData's Silverman, — CNBC's Lora Kolodny Organizations: Netflix, New York Times DealBook, Jazz, Lincoln Center, Bloomberg, CNBC, United Negro College Fund, Hastings, CNBC PRO Locations: New York City

My father-in-law retired comfortably at 63 by following a few simple money rules. NEW LOOK Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. For me and my family, getting on a budget has been key to paying off debt, saving, and investing more for our future. Since I paid myself first, I already made progress on all my saving and investing goals. Paying yourself first is a great habit that can teach you to mentally prioritize saving, investing, and your personal financial goals.

Persons: —, we've, I've, what's Organizations: Service, Robinhood

☆ I'm trying to have a less wasteful holiday season. I've asked for no new gifts, and I'm decorating with natural things.
▼ + stars: | 2023-12-08 | by ( Kim Dinan | ) www.businessinsider.com time to read: +4 min

Suddenly, the holidays morphed from a string of cozy celebrations with friends and family into a smorgasbord of plastic toys, plastic packaging, plastic decor, and plastic everything. Despite my best efforts, every holiday season I struggle to keep a stream of unwanted stuff from entering my home. But through trial and error, I've learned some skills that have helped my family make the holiday season less wasteful but no less fun. AdvertisementSustainable gift-givingMy kids want nothing and need very little, but they're showered with gifts during the holiday season. The cheaply made plastic holiday decor on sale this time of year is tough on the planet, too.

Persons: I've, I'm, Kim Dinan Organizations: Service, Business, Center for Biological Diversity, Thrift, Museum

☆ I inherited $15,000 and had fun with it. Then I inherited six figures a few years later and was more strategic — here's what I learned.
▼ + stars: | 2023-11-22 | by ( Jen Glantz | ) www.businessinsider.com time to read: +6 min

AdvertisementThis as-told-to essay is based on a conversation with Gina Knox, a 30-year-old financial coach who has twice inherited money. When I was 22, I inherited money for the first time. I've also helped clients over the years who have inherited money or had a trust fund they were finally getting access to. When I withdraw the money, I'll pay long-term capital-gains tax on any gains the sum has made in the stock market. When people find out I inherited money, they always want to know what big or flashy purchases I've bought so far.

Persons: Gina Knox, —, I'd, we'd, I've Organizations: Service, Google Locations: South America

☆ Higher Contribution Limits Are Coming for 401(k) Retirement Plans
▼ + stars: | 2023-11-10 | by ( Ann Carrns | ) www.nytimes.com time to read: +2 min

Even if you can contribute the maximum amount, that doesn’t necessarily mean you should, Mr. McBrien said. You may have other goals to save for besides retirement, said Craig Copeland, director of wealth benefits research at the Employee Benefit Research Institute. Under the Secure 2.0 Act, a law passed late last year, savers earning $145,000 or more who make 401(k) catch-up contributions would have had to make them as pretax Roth contributions starting in 2024. Can I change the amount of my 401(k) contributions after open enrollment? But while health insurance choices are typically fixed for the full year unless you have a big change in your life, many employers let you tweak your retirement contributions at any time.

Persons: don’t, Kyle McBrien, McBrien, ”, Craig Copeland, “, Roth, pretax Roth Organizations: Research

☆ Harvard and UPenn donors are furious. It may have a financial domino effect
▼ + stars: | 2023-10-19 | by ( Nathaniel Meyersohn | ) edition.cnn.com time to read: +9 min

Donors often give for specific purposes — facilities, faculty research, technology on campus, athletics, scholarships and financial aid for low-income students. The Wexner Foundation said it’s breaking off ties with Harvard University, alleging the school has been “tiptoeing” over Hamas’ attacks. Lawrence Summers, the former president of Harvard and US Treasury Secretary, has criticized the “morally unconscionable” student statement and Harvard leaders’ response. But he said that financial threats from donors were not the right solution to influencing universities’ positions on these issues. Organizers of the Palestine Writes festival denied that it embraced antisemitism, according to UPenn student newspaper The Daily Pennsylvanian.

Persons: ”, Lee Gardner, Adam Glanzman, Sara Harberson, ” Gardner, “, Indiana University’s, ” Harvard, Harvard “, Leslie Wexner, Abigail, Charles Mostoller, Claudine Gay, Boycott, Lawrence Summers, ” Summers, Jon Huntsman, Marc Rowan, Billionare Ronald Lauder, Susan Abulhawa, ” UPenn, Liz Magill, ” Magill Organizations: New, New York CNN, Harvard University, University of Pennsylvania, Ivy League, Harvard, Higher Education, Philanthropy, Bloomberg, Getty, “ Ivy League, Indiana, Indiana University’s Lilly Family School, “, ”, “ Revenue, Wexner Foundation, Palestinian, College Hall, Israel, Israel Fellows, Wexner, US, CNN, Wall, Daily, University Locations: New York, Israel, UPenn, United States, Philadelphia , Pennsylvania, U.S, “, Palestine, Palestinian

The surge comes as educators are scrambling to bolster students’ math skills, which plummeted during the pandemic and haven’t fully recovered. Advocates say personal finance courses could pay dividends if students learn how to make wiser money decisions and avoid financial hazards. “The more math you add to financial literacy, frankly, the better it is,” says Annamaria Lusardi, founder and academic director of the Global Financial Literacy Excellence Center. ... Having said that, financial literacy is more than math.”Idaho is one of the states where a new financial literacy curriculum is hitting classrooms. In 2020, the NAACP issued a resolution calling for more financial literacy programs in K-12 schools.

Persons: Bryan Martinez jots, ” Martinez, Tonica Tatum, Gormes, ” Tatum, “, ”, Annamaria Lusardi, weren’t, Debbie Critchfield, aren’t, Laina Cox, Tatum, Martinez, who’s, ___ Sadie Dittenber Organizations: WASHINGTON, Capital, Associated Press, Christian Science Monitor, Dallas Morning News, Idaho Education, Courier, The Seattle Times, D.C, Council for Economic Education, Global Financial, “, Advocates, NAACP, Finance, Capital City Public Charter School, Carnegie Corporation of New, AP Locations: Capital City, Idaho, South Carolina, The Washington, Idaho’s, Carnegie Corporation of New York

AdvertisementAdvertisementMy family uses separate banks for bills, spending money, credit cards, and investing. Having a separate account just for discretionary funds makes it easier to spend money guilt-free. Our 'spend' account is our 'fun money'This is a money tip I've learned from my parents — keep entertainment funds or "fun money" separate, and always allow room in the budget for this if you can. After bills and contributions to our respective investment accounts and our boys' college funds, we funnel the rest into an entirely different joint account — our 'spend' account. While most people probably use a separate financial institution for their investments and other long-term financial goals, like saving for college, it's the fourth financial institution on our dossier, and probably the most important.

Persons: —, it's, It's, they'll, Cabo San, we'll Organizations: Service, Investments Locations: Cabo, Cabo San Lucas

☆ The $8 billion Sam Bankman-Fried criminal trial starts today — here's what's at stake and how we got here
▼ + stars: | 2023-10-03 | by ( Mackenzie Sigalos | ) www.cnbc.com time to read: +19 min

In the first trial, Bankman-Fried faces seven criminal counts related to the collapse of the crypto empire he built, including wire fraud, securities fraud and money laundering. Alameda, FTX and a host of subsidiaries Bankman-Fried founded filed for bankruptcy protection in Delaware. FTX's own terms of use specifically forbade him, or Alameda, from using customer money for anything — unless the customer allowed it. And from FTX's inception, there was a lot of customer money. Bankman-Fried and other executives admitted to each other that "FTX customer funds were irrevocably lost because Alameda had appropriated them."

Persons: Sam Bankman, Fried, Caroline Ellison, Gary Wang, Ellison, FTX, Wang, Judge Lewis Kaplan, Samuel Bankman, MacKenzie Sigalos, San Francisco —, SBF, Wang —, Nishad Singh —, Goldman Sachs, Binance, Damian Williams, Rehypothecation, —, Crypto, Solana, Zhao, he'd, Cromwell, John J, Ray, John Ray's, — CNBC's Rohan Goswami Organizations: Alameda Research, Southern, of, Stanford, MIT, U.S, New York Times, Bankman, That's, CNBC, Jane, Capital, University of California, Formula, Democratic, Twitter, Securities Exchange Commission, SEC, Futures Trading, United States Attorney's Office, CFTC, Alameda, Alameda didn't, Voyager, BlockFi, FTX, Industry, Investors, Zhao, Publicly, Sullivan, Enron Locations: Bahamas, Manhattan, New York, Alameda, of New York, FTX, Brooklyn , New York, San Francisco, South Korea, Alameda , California, Fried's Alameda, Berkeley, Miami, Washington, Delaware, California, Federal, Solana, Fried

☆ 82% of Americans are worried about the impact of inflation. Try these 5 strategies to save money and shore up your finances.
▼ + stars: | 2023-09-28 | by ( Sponsor Post | Created Insider Studios With Navy Federal Credit Union | ) www.businessinsider.com time to read: +6 min

Proactively saving money can yield the financial cushion you need to feel more secure. Try tracking money in and money out for at least one month. Savings accounts, money market accounts, and CDs are ideal tools for reaping compound interest on short-term savings. "Your standard savings account will generally have a lower rate than a money market account but will allow more options for utility. Open a dedicated, high-interest savings account specifically for your fund.

Persons: it's, Jaspreet Chawla, IRAs, Roth IRAs, Chawla, Russell Nelson, you'd Organizations: Navy Federal Credit Union, ESA, Federal Credit Union, Insider Studios, NCUA

☆ Our Daughter Makes Money Acting. Should We Save the Same Amount for Her Twin?
▼ + stars: | 2023-09-15 | by ( Kwame Anthony Appiah | More About Kwame Anthony Appiah | ) www.nytimes.com time to read: +2 min

The rest of the money was put into her college fund. We’re never going to give her more than $100 in cash, because she’s a child, so her college fund is likely to grow fairly quickly. Think, for a moment, about what it means for a government to treat its citizens equally. Because particular citizens have particular needs, some will require more resources than others, but nobody is favored or disfavored simply by virtue of who they are. Perhaps surprisingly, I think it can be helpful to apply this idea to the very different context of family life.

Persons: We’re, Jessie

NEW YORK (AP) — The HBCU Transformation Project, a coalition of 40 historically Black colleges and universities, on Wednesday announced a $124 million gift from philanthropic funders Blue Meridian Partners to increase enrollment, graduation rates and employment rates for the schools' graduates. “This very significantly scaled grant from them signals to the philanthropic community that this is a really good investment to make,” he said of the Blue Meridian gift. The donation will expand the work of the project, which has already received $75 million from Blue Meridian Partners since 2020. Blue Meridian Partners also provided funds to those organizations to improve their capacity to support the schools. HBCUs have received significantly less support from philanthropic foundations than predominantly white schools.

Persons: Michael Lomax, ”, Lomax, HBCUs, George Floyd Organizations: Wednesday, Blue Meridian Partners, Blue Meridian, Thurgood Marshall College Fund, for Education Advancement, Department of Education, Ivy League, HBCUs, Associated, Lilly Endowment Inc, AP Locations: UNCF, Black

☆ My Student Loans Were Just Forgiven. This Is How It Happened
▼ + stars: | 2023-08-23 | by ( Sunshine Flint | ) www.wsj.com time to read: +6 min

That’s how long it has been since I took out my first student loan. Though I received grants and held work-study jobs, I still needed around $60,000 in federal student loans to pay for my degrees. The only person possibly more upset about this than me was my accountant, who suggested I refinance into a private student loan. Having federal loans meant that I was eligible for the pause on student loan payments that began in 2020. (In general, if you took out a federal student loan or, like me, consolidated your loans on or after July 1, 2010, you have a federal Direct Loan.)

Persons: Sunshine Flint, Biden’s, I’d, “, Biden, hadn’t, Betsy Mayotte, servicer Organizations: State Department, Education Department, Institute of Student Loan Advisors, Loan

☆ Joe Biden acknowledges seventh grandchild: a 4-year-old daughter named Navy, who was fathered by Hunter Biden
▼ + stars: | 2023-07-29 | by ( Lloyd Lee | ) www.businessinsider.com time to read: +3 min

Hunter Biden had a daughter named Navy with Lunden Roberts, a former stripper, in 2018. For years, President Joe Biden never acknowledged Navy, who is his seventh grandchild. "Jill and I only want what is best for all of our grandchildren, including Navy," Biden told People. The president told People magazine in a statement, "Jill and I only want what is best for all of our grandchildren, including Navy." It's unclear if the Bidens will make a visit to Navy and Roberts who both now reside in Arkansas.

Persons: Hunter Biden, Lunden Roberts, Joe Biden, Jill, Biden, Joan Roberts, Biden's, Hunter, Roberts Organizations: Navy, Service, New York Times, The Times, Times Locations: Wall, Silicon, Washington ,, Arkansas

☆ Barack Obama says affirmative action 'allowed generations of students like Michelle and me to prove we belonged'
▼ + stars: | 2023-06-30 | by ( Talia Lakritz | ) www.businessinsider.com time to read: +3 min

The Supreme Court ruled Thursday to end race-based affirmative action in college admissions. The Obamas each released a statement reflecting on the role affirmative action has played. Barack Obama wrote that it had allowed students like him and Michelle "to prove we belonged." "Like any policy, affirmative action wasn't perfect," Barack Obama, who attended Columbia University and Harvard Law School, wrote. But still, I sometimes wondered if people thought I got there because of affirmative action.

Persons: Barack Obama, Michelle, —, Michelle Obama, I'd, didn't Organizations: Service, Columbia University, Harvard Law School, Hispanic, Fund, American Indian College Fund, Thurgood Marshall College Fund, Princeton, Harvard, Court, Minorities, Ivy League, Cornell Locations: Columbia

☆ The Supreme Court justices paid an average of $42,539 to go to college. Today, they'd have to pay around $320,531.
▼ + stars: | 2023-06-30 | by ( Sarah Al-Arshani | ) www.businessinsider.com time to read: +6 min

The Supreme Court struck down Biden's student loan forgiveness plan. Student loan payments will likely resume in October. For the justices behind the decision, the cost of an undergraduate degree was much cheaper when they were in school. According to EDI, there was a 2,807% increase in the average student loan debt at graduation between 1970 and 2021 before adjusting for inflation. Student loan borrowers gathered at the Supreme Court today to tell the court that student loan relief is legal on January 2, 2023.

Persons: —, Joe Biden's, Biden, Clarence Thomas, Wally McNamee, Samuel Alito, Sonia Sotomayor, Elena Kagan, John Roberts, Ketanji Brown Jackson, Roberts, Jackson, Brett Kavanaugh, Neil Gorsuch, Amy Coney Barrett, Larry French, Thomas, Gorsuch Organizations: Service, Republicans, White, Education Data Initiative, The College of, Princeton University, Harvard, Yale, Columbia University, Rhodes College, Associated Press, AP

My 76-year-old father sent me and my sister his advanced care directive alongside his will. There will never be a question in our minds as to what to do with our father's assets when he dies. The letter had his lawyer and bank contact numbers as well as passwords and other sensitive information. This year, he sent my sister and me a new addendum — his advanced care directive. I visited my childhood best friend on my holiday weekend visiting home and told her all about my dad's letter.

Persons: —, I'm Organizations: Service

☆ Gay male couples face more challenges, higher costs to start a family
▼ + stars: | 2023-06-23 | by ( Courtney Reagan | ) www.cnbc.com time to read: +9 min

watch nowWhy gay male couples face higher costsAlon Rivel, left, with his family. Gay male couples typically face a more expensive journey, as surrogacy or adoption are their primary choices. Employer fertility benefits offer limited helpMore employers are starting to offer fertility benefits, often through a specialized fertility benefits manager like Kindbody, Carrot, Progyny or Maven. But while more companies are offering fertility benefits, many of these packages are limited when it comes to covering what's needed to build families with non-traditional methods. At Rivel's insistence, he asked his human resources department to look into including surrogacy benefits.

Persons: Alon Rivel, Alon Rivel Alon Rivel, Rivel, Betsy Campbell, Maven, Will Porteous, Doug, Walter ., Porteous, Progyny's, Pete Anevski, Tammy Sun, Taryn Branca, they'll, Anevski, it's, Resolve's Campbell, Hanna, Stephen Hanna, Bret Shuford, Maverick Organizations: International Foundation of Employee, Equality, Mercer, Maven, Beam Therapeutics, Child Welfare Locations: Arlington , Massachusetts, U.S, Wynnewood , Pennsylvania, West, Massachusetts

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