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In Insider's Real Retirement series, we ask regular people approaching or in retirement what they'd wished they'd known about being prepared to stop working. The retirees featured below reached the finish line, but they made and saw some mistakes along the way. In Business Insider's Real Retirement series, retirees share their best advice on retirement, what worked for them, and sometimes, what didn't work for them. "Find a good financial planner or retirement planner," he said, "and begin to taper off your equity allocation, aiming towards 40% or 50% when you retire." Don't put off savingDavid Fisher, who retired at 65, didn't think much about retirement when he was younger.

☆ Gig workers choose freedom in their careers — but some worry about how retirement will look
▼ + stars: | 2023-01-14 | by ( Jordan Hart | ) www.businessinsider.com time to read: +3 min

A survey of 2,000 freelancers revealed more than half of respondents felt pressured to save a certain amount for retirement. The average freelancer anticipates needing at least $350,000 saved up to retire, Talker reported. One gig worker told Insider financial literacy and investments are key to planning for timely retirement. "When I'm able to decide what I want to do with my time, there are things I can do to help me learn and grow my own business," Hill told Insider. However, Hill said retiring from gig work in a timely manner is something only the financially literate can achieve, adding that odd jobs alone probably aren't enough to successfully reach that milestone.

☆ How 'Real Housewife' Jen Shah's fabulous life came crashing down
▼ + stars: | 2023-01-06 | by ( Stephanie Clifford | ) www.businessinsider.com time to read: +43 min

The woman wrote to the judge overseeing Shah's case that she'd had to remortgage her house, almost divorced, and "thought about ending my own life." The couple decided that he should get his degree while Jen Shah dropped out of college to work. (Shah told a judge at her 2022 plea hearing that she had been treated for "alcohol and depression" two years prior. Koa Johnson, Jen Shah's former fashion designerWhen Sharrieff Shah did participate in filming, he quickly became a fan favorite, calm and sensible. Once the show aired and Jen Shah developed a fan base, her behavior became more dramatic, Johnson said.

☆ I made $10K a month freelancing after getting my start on Fiverr. Here are 9 strategies I used to maximize my earnings.
▼ + stars: | 2022-12-30 | by ( Emilina Lomas | ) www.businessinsider.com time to read: +15 min

I had already dabbled in fitness writing, so I figured I could sell workout plans on the platform for supplemental income. Here's the truth about Fiverr: the good, the bad, and the time-wastingFiverr is basically an online marketplace for freelance services. This was crucial to making money from freelancing, as Fiverr takes 20% of your earnings per gig. After a few months, it was clear that health and fitness writing was a niche I could fill on Fiverr. While making a lot of money on Fiverr might be possible further down the line, it's rare.

☆ 'I work just 4 hours a day': This 29-year-old's side hustle brings in $2 million a year—a look at her typical day
▼ + stars: | 2022-12-26 | by ( Kat Norton | ) www.cnbc.com time to read: +5 min

I posted the first video on my account, Miss Excel, in June 2020. Today, at 29, I've built Miss Excel into a business that generates more than $2 million a year. My boyfriend, Mike, quit his corporate sales job and became my chief financial officer and vice president of sales in April 2022. My business has helped me live my dream lifeMike and I have the best time working on Miss Excel and traveling the world together. Miss Excel has changed my mom's lifestyle, too.

☆ Gig workers are choosing freedom over being chained to a desk — but that still leaves question marks around retirement
▼ + stars: | 2022-12-22 | by ( Jordan Hart | ) www.businessinsider.com time to read: +3 min

☆ Self-made billionaire: 4 poker skills can help you become highly successful
▼ + stars: | 2022-12-15 | by ( Tom Huddleston Jr. | ) www.cnbc.com time to read: +5 min

"I could have been learning things by sitting at the poker table and watching hands." The realization began when Just sat down to learn poker with her teen daughter, Juliette, a few years ago. H/O: Poker PowerIt paved the way for Just's newest venture, Poker Power, a virtual workshop aimed at teaching poker to women of all ages. The game can foster the skills women need to advance their careers and succeed in the workplace, she says. More than 120 million people in the world play poker, but only 10% of them are women, Power Poker estimates.

☆ The Best Electric Razor for a Smoother Shave
▼ + stars: | 2022-12-13 | by ( ) www.wsj.com time to read: +19 min

You can find a capable electric shaver for even less, but the learning curve (and lack of add-ons) could prove problematic. If you’d like to read how we vetted and tested these electric shavers, scroll down for all the details. Best overall electric shaverBuy Side Top Pick Braun Series 7 7027cs $137 at Amazon $ 150 Save $ 13 $139 at Walmart The best combination of performance, accessories and price of any electric shaver. Best lower-price electric shaverAndis ProFoil Lithium Titanium Foil Shaver $55 at Amazon $ 68 Save $ 13 $55 at Walmart This model is priced as low as you’ll want to go for a quality electric shaver. Make sure the electric shaver you’re buying has the accessory package that makes the most sense for your needs and your budget.

☆ How to Keep Your Job in a Recession or Find a New One
▼ + stars: | 2022-11-18 | by ( Sawdah Bhaimiya | ) www.businessinsider.com time to read: +6 min

That doesn't mean you should stay put in a stable job if you're miserable, careers experts say. Workers have been worried about job cuts since the summer, with a July survey from Insight Global finding that 78% of US employees were anxious about job security in the event of recession. "There is definitely more competition for talented workers, so if people are interested in changing jobs, or getting a better job or looking for a promotion, it's a pretty good time to be doing it." Don't quit in a hurryOver half of American employees have said they'll look for a new job if there's a recession, June data from recruitment software company Greenhouse found. Be flexible about your demandsHaving a degree of flexibility during a recession can't hurt your job hunt.

They underscore the importance of educating Black voters on the significance of the Dec. 6 runoff between Warnock and Republican contender Herschel Walker. Yet voting rights organizations supporting Warnock say Black voters they’ve spoken with remain energized because expanding Democrats’ majority in the Senate even by a single seat would have a significant impact. Les Talusan / Courtesy MoveOnIn last week’s election, Warnock received 90% of the Black vote, compared to Walker’s 8%, according to an NBC News exit poll. “All the elements we’re talking about impact mostly Black voters,” Albright said. And tired or not, Black voters will come out for the runoff.”Follow NBCBLK on Facebook, Twitter and Instagram.

Also: Put your money in a high-yield savings account — you can earn around 3% interest right now. We just experienced the longest bull market in economic history, with the stock market increasing in value for 11 years straight. Consolidate your debt into fixed interest rate loansIf any of your debt has variable interest rates, consider moving that debt into a loan that has a fixed interest rate so your interest rate won't change. For instance, if you have credit card debt, chances are the interest rates have gone up. When you move your money into high-yield savings, consider also increasing your savings amount by 10%.

☆ Marlins become first major team with women as president and GM
▼ + stars: | 2022-11-14 | by ( ) www.reuters.com time to read: +1 min

Nov 14 (Reuters) - The Miami Marlins became the first U.S. major sports franchise to have two women simultaneously running a team's day-to-day off-the-field affairs after they appointed Caroline O'Connor as president of business operations on Monday. The decision to promote O'Connor comes two years after the Marlins made history when they named Kim Ng as Major League Baseball's first female general manger. "I think we're a really special organization. I think it makes our organization unique and stand out, and shows what women can do and the roles that they can hold." "Her leadership will continue to guide the Marlins organization toward our goal of sustained success while strategizing additional new ventures to grow our business and enhance our brand recognition."

☆ Miami Marlins promote Caroline O'Connor, making her pro baseball's second-highest ranking woman
▼ + stars: | 2022-11-14 | by ( Jessica Golden | ) www.cnbc.com time to read: +2 min

The Miami Marlins will be led by two of the highest-ranking women in professional sports. The organization announced on Monday that owner Bruce Sherman is promoting Caroline O'Connor to president of business operations, effective immediately. The move makes the Marlins the first pro sports team to have women operating the entirety of the team's day-to-day business. In 2020, the team hired Kim Ng as the first female general manager in Major League Baseball history, making her the league's highest-ranking woman in baseball operations. The Marlins were MLB Wild Card Champions in 2020 but have failed to make the playoffs the past two seasons.

For more than 70 days this summer, a marine heatwave cooked the waters of the western Mediterranean. "We've been witnessing marine heatwaves during the last 20 years," said Garrabou, who's also coordinator of the T-MEDNet marine monitoring network. A 2016 marine heatwave along Chile's southern coast caused huge algae blooms that wiped out fish farms and cost the aquaculture industry some $800 million, said scientist Kathryn Smith with the Marine Biological Association of the United Kingdom. As the world warms, marine heatwaves are expected to become more frequent, according to the U.N. Intergovernmental Panel on Climate Change. Though economists have yet to account fully for the impacts of marine heatwaves, recent experience has many concerned.

☆ A 'vacation mindset' at work can make you happier, healthier, and avoid burnout. Here are 3 easy ways to adopt one.
▼ + stars: | 2022-11-12 | by ( Melody Wilding | ) www.businessinsider.com time to read: +7 min

Business coach Melody Wilding says a "vacation mindset" at work can help you deal with stress. This sense of ease, engagement, and enjoyment is a vacation mindset at its finest. Mindfulness expert Leo Babuta describes vacation mindset this way:"Vacation mind is just [being] present in the current moment. So, what does it look like when you apply vacation mind to work? Vacation mindset is something that can be cultivated, and it can have a positive effect on both personal and workplace relationships.

☆ Meet the members of Elon Musk's inner circle said to be helping him fix Twitter
▼ + stars: | 2022-11-12 | by ( Beatrice Nolan | ) www.businessinsider.com time to read: +5 min

Picked from Musk's inner circle of allies, friends, and ex-colleagues, these are the people reportedly helping him fix Twitter. Three days after Musk's acquisition, Krishnan tweeted that he was temporarily "helping out" Musk after the takeover. Sources told Insider he was listed on Twitter's company directory as a staff software engineer and was assigned a company email address. Bloomberg reported that Birchall played a key part in securing the financing for Musk's Twitter purchase. Over the past week, Musk's right-hand man has also been among the team strategizing inside Twitter, per The Washington Post.

☆ I made $10K a month from freelancing after jumpstarting my career on Fiverr. Here are 9 not-so-obvious tips for maximizing your earnings.
▼ + stars: | 2022-11-10 | by ( Emilina Lomas | ) www.businessinsider.com time to read: +15 min

I had already dabbled in fitness writing, so I figured I could sell workout plans on the platform for supplemental income. This was crucial to making money from freelancing, as Fiverr takes 20% of your earnings per gig. Based on my own experience, here are some of the most effective tips to be successful on Fiverr. After a few months, it was clear that health and fitness writing was a niche I could fill on Fiverr. While making a lot of money on Fiverr might be possible further down the line, it's rare.

☆ Billionaire female financier on why your daughters should play poker
▼ + stars: | 2022-11-06 | by ( Cnbc.Com Staff | ) www.cnbc.com time to read: +3 min

Capital allocation, for example, is a skill that poker can help to improve, because allocating chips in a poker game is a form of capital allocation. That seat at the table imbalance is one where the world of poker replicates the world of business. Just cited an estimate of over 100 million people in the world playing poker today, and less than 10% of those players being women. "That poker table has a forcefield around it," she said, and it "feels an awful lot like the meeting room. Poker, ultimately, is about more than making money — each lesson is focused on a higher-level mission.

☆ Get them on social media and keep it authentic, Gen-Z consultants advise candidates
▼ + stars: | 2022-11-05 | by ( Irie Sentner | ) www.nbcnews.com time to read: +4 min

“The Gen Z electorate can make or break the election in some of our key races,” said Ashley Aylward, 26, a research manager at HIT Strategies, a Washington-based public opinion research firm focusing on youth and minority voters. The firm was started in 2019 “because we were seeing so many political operatives kind of just dismissing the emerging electorate — young people, people of color,” she said. As more of Gen Z reaches voting age, experts have advised candidates to change their strategies to appeal to new voters. Experts said social media — and TikTok specifically — are key in strategizing for the Gen Z vote in the 2022 election. Experts emphasized that Gen Z cares about authenticity and casualness; candidates can “miss the mark” when they “don’t use the language that young people do," Aylward said.

☆ The surprising reasons why keeping a handwritten 'core values' list will make you a better leader
▼ + stars: | 2022-11-05 | by ( Maria Dimitropoulou | ) www.businessinsider.com time to read: +7 min

Keeping a handwritten list of your core values can help you be more efficient and self-aware. Even if you feel committed to your core values, the chaos of daily life can still leave you stuck. Your business mission, vision, and core values are clear, and you identify with them (or at least you think you do). Scripting your values list can also add a therapeutic tone to the whole process; you know what you tolerate and make value-based choices that foster your desired identity. TakeawayA handwritten personal core-values list is a powerful tool for any leader.

☆ 4 social-media managers say the job requires long hours and unrealistic expectations. They share the breaking points that made them quit.
▼ + stars: | 2022-10-29 | by ( Jacqueline Gualtieri | ) www.businessinsider.com time to read: +11 min

While the social-media profession continues to grow in popularity, many social-media managers are deciding to leave their positions for greener pastures. According to Zippia, 29% of social-media managers stay in their roles for less than a year. Even though 70% of social-media managers wanted to be promoted, only 40% saw any possibility to advance where they were, according to the 2020 study. Insider spoke with four social-media managers about how they reached a breaking point in their corporate jobs and what they've chosen to do now instead. Through working with other social-media managers, she's seen how things have changed since her days of working in their shoes.

☆ CIA director made a secret visit to Ukraine to meet Zelenskyy and pledge deeper US support, CNN says
▼ + stars: | 2022-10-27 | by ( Sophia Ankel | ) www.businessinsider.com time to read: +2 min

CIA Director William J. Burns secretly went to Ukraine earlier this month, two sources told CNN. Burns met with Zelenskyy and pledged continued US support amid Russia's invasion. Burns traveled to Kyiv earlier this month, CNN said. It is unclear how many trips Burns has made to Ukraine since the start of Russia's invasion in February. But Burns told CBS News last month that the intelligence community has not seen "any practical evidence" that there is an "imminent threat."

For the second time in as many election cycles, Democrats are launching an 11th-hour rescue mission to save the very House campaigns chief responsible for protecting vulnerable incumbents and preserving their fragile House majority. The DCCC also informed front-line members before announcing the ad buy in Maloney's district, a Democratic aide said. He’s built a campaign and we’ve built an operation at the DCCC that can support that reality,” Taylor said. In an interview with NBC News earlier this year, Maloney laid out that very playbook for protecting vulnerable incumbent Democrats. “While Lawler was voting against common sense gun safety reforms like not allowing teenagers to buy semi-automatic weapons, Rep. Maloney was helping pass bipartisan gun safety reforms,” Ehrenberg said in a statement.

Reyes said Hollywood films often reflected the politics of their time — and that had an influence on Latino roles. Studies by the Government Accountability Office, the University of Southern California and other groups consistently show that Latinos are underrepresented in the film industry. Just this year, UCLA’s Hollywood Diversity Report documented “enormous gains” by women and people of color, but Latino representation still lagged. Slowly but surely, we are shaking up the narrative in Hollywood.”Calderón is frustrated by the continuing practice of “brownface,” whereby Latino roles go to white actors. Sanchez cited Eugenio Derbez in “Coda” (2021) as an example of a well-written Latino film character.

☆ Los Angeles’ Nury Martinez’s shocking anti-Black remarks hurt at the deepest level
▼ + stars: | 2022-10-14 | by ( Amir Whitaker | Amir Whitaker Is Senior Policy Counsel With The Aclu Of Southern California. Before Joining The Aclu | Whitaker Represented Students | ) www.nbcnews.com time to read: +6 min

Many of us in Los Angeles are still in shock from the recently leaked audio recording of politicians spewing racist and hateful language. It laid bare the true colors of four of the most influential Latinx leaders in the country, whose collective power affects nearly 4 million Angelenos. But this is Los Angeles, one of the most diverse cities in the world. Hearing a public servant in one of the most powerful seats in our city government fantasize about committing violence against a Black child was extremely troubling. I get anxious just thinking about having to explain to my Black child what they need to know to survive in America.

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