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Average 401(k)s soared 466% over past 10 years

Average 401(k)s soared 466% over past 10 years

Fidelity’s latest quarterly retirement savings update had something special to celebrate the 10-year anniversary of “the bottom.”
The investment giant examined the 1.64 million portfolios that were around at the end of March 2009, near when the Great Recession hit its nadir, and that are still around today. Its analysis provided a few important reminders to investors. Most importantly: Ten years is a long time, but it’s not exactly “the long run.”
In the decade between Q1 2009 and 2019, the average 401(k) balance, which had been $52,600, grew 466% to $297,700. That’s an 18.93% increase per year. For Gen X Fidelity customers, balances were up 626%. For the millennials, which only had $7,000 on average in Fidelity 401(k)s back in 2009, the cumulative percentage change was 1,762%.
Much of the 10-year 466% gain in the average Fidelity 401(k), of course, is from contributions, not just market returns. For people earlier in their retirement saving years, contributions build a portfolio far more than investment returns do. It takes time for returns to outweigh contributions.
But a big part of the reason portfolios have grown so much does have to do with the market’s bull run. In the 2009-2019 period examined, the S&P 500 is up over 255% cumulatively, which is 13.5% per year — an enormous number.
Where is the financial crisis?
It’s also a number that has the potential to skew. As the New York Times pointed out , the 10-year stock window just cycled out the troubles of the mid-aughts, taking out the trash and expunging the market’s record like a delinquent youth who’s has grown up.
There is an unfortunate and dangerous downside, however. Not having the bad parts of the market’s history in a common performance metric – and instead having a nice upward slope – makes for a very misleading interpretation of the data for anyone who looks at 10-year data.
It’s essentially the opposite of a credit report. Most black marks on someone’s credit report stay for seven years. (A Chapter 7 bankruptcy stays for 10.) The thinking goes, a person’s behavior older than that isn’t useful anymore in predicting how good they are with your money.
But the market is not a credit report. The economy works in cycles and the length of this expansion is simply too long to be contained in a standard 10-year window. Past 10-year return is often something people look at when evaluating whether to buy or sell a security like an ETF, mutual fund, or stock.
Past results aren’t a guarantee of future performance, but many people invest that way. And looking at numbers that high from period with no a bear market could skew the expectations.
10 years has changed a lot
Besides the 466% average change in balances that were around back in March 2009, the components of portfolios has changed a great deal. Back in 2009, just 16% of investors held target-date funds. Today, over 52% of 401(k) accounts use target-date funds to diversify. In general, Fidelity reported, diversification has grown considerably. Whereas 15% of customers had all individual stocks in their 401(k) accounts 10 years ago, only 7% of individuals still invest like that, as the popularity of index funds and other easy ways to buy the market increased.
Fidelity also noted that this quarter had the highest 401(k) employee contribution numbers in history, up 15% from a year ago to $2,379 in the first three months of the year. The amount of money employers are willing to contribute were similarly at record highs, with the percentage match notching 4.7% of employee salaries on average, pushing the overall savings rate to 13.5% — another all-time high.
While markets have been turbulent lately, most retail investors will likely continue contributing to their 401(k)s (it’s probably on auto). This is the beauty of dollar-cost averaging . For this pay period, at least, the market is cheaper. And in another 10-years? No one knows, but it’ll probably go up — it usually does. But perhaps not by 13.5%.

Ethan Wolff-Mann is a writer at Yahoo Finance focusing on consumer issues, personal finance, retail, airlines, and more. Follow him on Twitter @ewolffmann .
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The Ultimate 2019 Graduation Gift Guide Patch

kids & family Shared from DealTown, US The Ultimate 2019 Graduation Gift Guide Books, backpacks, smart speakers and more practical presents that are even better than cash. By Patch Deals, Patch National Staff | May 14, 2019 6:56 am ET {{ replyButtonLabel }} Reply {{ replyCount }} (Amazon) If you know someone graduating this spring, you’ll want to give a gift they’ll love and put to good use. Gift cards are OK, but we’ve rounded up some smart, practical presents that are even better than cash. From dorm room essentials to wearable tech, these are the gifts graduates really want for their exciting next chapter. Happy shopping!
Don’t miss out on savings! Subscribe to DealTown and get all the latest deals delivered straight to your inbox.
BedShelfie The Original Bedside Shelf, $29.99
When you don’t have space for a bedside table (and what dorm room does?!), you need the BedShelfie . It’s a strong, sturdy, functional shelf that attaches to almost any bed frame — including bunk beds. It’s made of quality bamboo and supports up to 15 pounds of weight, so you can pile on the books without a worry. Multiple colors are available ; prices may vary.
Polaroid SNAP Touch 2.0 – Portable Instant Print Digital Photo Camera , $179.99
Point, shoot and print with the all-in-one camera and printer that does it all! The Polaroid SNAP Touch makes it fun and easy to edit photos, add borders and print to share with new friends. It doubles as a video recorder, so taking 1080P/720P HD video is as a simple as pressing a button. It’s great for capturing dorm life, bringing to parties and letting you make and share memories that’ll last a lifetime.
“Oh, the Places You’ll Go!” Graduation Keepsake Edition by Dr. Seuss, $34.99
Dr. Seuss’ timeless book addresses life’s ups and downs in a way that’s both whimsical and poignant. This version of the classic has eight extra pages perfect for personalizing with photos and notes from family, friends and teachers. There’s even a pocket in the back cover to store special pictures, graduation programs and other keepsakes.
Anker Soundcore Bluetooth Speaker , $27.99
This portable speaker offers exceptional sound quality and an impressive 24-hour battery life. Its durable, lightweight design makes it perfect for throwing in a backpack and taking to campus, and it works beautifully with phones, tablets and almost any other Bluetooth-enabled device to play any grad’s favorite music.
Apple Watch Series 3 (GPS + Cellular) , $359
This highly-reviewed smart watch features cellular connectivity, so you can make calls, send texts and take your music with you without having to bring along a clunky phone. It also has GPS capabilities, fitness tracking, heart rate monitoring and more. Apple Watch is also water-resistant, so you can wear it in the pool or the shower without a worry.
Amazon Collection “Go in the Direction Of Your Dreams” Necklace , $29
This sweet sterling silver necklace features a compass pendant engraved with an inspirational message perfect for grads. It’s a thoughtful, affordable gift they’ll wear and treasure for years to come.
Echo Show (2nd Gen) – Smart display with Alexa , $229.99
For recent graduates, calling home is necessary, but video chatting is so much better! With the Echo Show , anyone can make video calls with Skype, the Alexa app, an Echo Spot, or Echo Show. Grads can also watch movies and shows from Prime Video, enjoy live TV and sports with a Hulu subscription, check the weather, listen to music, browse audiobooks and so much more.
Keurig K-Mini Single Serve Coffee Maker , $77.99
This compact coffee maker brews a fresh and delicious cup of joe in minutes. It’s sized just right for small space living without sacrificing flavor or quality. And while the Keurig K-Mini is small, it’s designed to accommodate most travel mugs.
“The Naked Roommate: And 107 Other Issues You Might Run Into in College” by Harlan Cohen , $10.50
This practical gift is a must-read for anyone heading off to college. It’s filled with valuable advice on how to handle dorm life, dating, classes, partying, money and everything in between. For the graduate’s proud parents , there’s also a “For Parents Only” edition of “The Naked Roommate” that we highly recommend.
DormCo The Mini Shelf Supreme , $59.99
This adjustable shelving unit is a must-have for any dorm room. It can fit a mini-fridge ( sold separately ) and is strong enough to support a microwave, coffee maker or a small TV. No tools are required for assembly, and the feet are adjustable to fit uneven floors.
Travel Laptop Backpack with USB Charging Port , $29.99
This best-selling backpack has plenty of storage space and pockets, including a separate laptop compartment. It features a built-in USB charger outside and a built-in charging cable on the inside, so you can conveniently charge your phone even when you’re on the go. It’s made of durable, water-resistant materials, making it ideal for school, travel, professional life and so much more.
Rocketbook Everlast Reusable Smart Notebook , $29.99
This smart, reusable notebook is just as easy to use as conventional notebooks, but it’s a lot more efficient and does the organizing for you. You can upload notes and doodles to the cloud with the push of a button, and using the free Rocketbook app, you can instantly scan your work and turn it into .pdf or .jpg files for instant access anywhere.
Rapid Ramen Cooker (Pack of 2) , $9.99
Make perfectly cooked instant noodles in half the time with the Rapid Ramen Cooker ! These microwavable containers are made of BPA-free, nontoxic plastic that’s reusable and easy to clean. The fill-to line for water is clearly marked, so you don’t even need to measure anything. Just add noodles and water, then follow the cooking instructions based on your microwave. For most users, it takes just 3-4 minutes to whip up a perfect, affordable meal!
The Nintendo Switch , $299
For the grad who loves video games, it doesn’t get much better than the Nintendo Switch . At home or in the dorm, the console docks to connect to the TV, but the Nintendo Switch easily transitions to handheld mode for on-the-go gaming.
Still looking for a perfect present? Sign your graduate up for a free 6-month-trial of Prime Student ! Terms and conditions apply.
More Deals This Week: Why The TUSHY Bidet Belongs In Every Bathroom Why Every Home Needs The Google WiFi System The Scalp Massaging Brush That Will Change The Way You Shower Meet Foldies, The Folding Sunglasses That Fit In Your Pocket All prices and savings listed in this post are as of publication and could change. Patch may earn a commission on products purchased.
Photo Credit: All images via Amazon
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The Ultimate 2019 Graduation Gift Guide Patch

kids & family Shared from DealTown, US The Ultimate 2019 Graduation Gift Guide Books, backpacks, smart speakers and more practical presents that are even better than cash. By Patch Deals, Patch National Staff | May 14, 2019 6:56 am ET {{ replyButtonLabel }} Reply {{ replyCount }} (Amazon) If you know someone graduating this spring, you’ll want to give a gift they’ll love and put to good use. Gift cards are OK, but we’ve rounded up some smart, practical presents that are even better than cash. From dorm room essentials to wearable tech, these are the gifts graduates really want for their exciting next chapter. Happy shopping!
Don’t miss out on savings! Subscribe to DealTown and get all the latest deals delivered straight to your inbox.
BedShelfie The Original Bedside Shelf, $29.99
When you don’t have space for a bedside table (and what dorm room does?!), you need the BedShelfie . It’s a strong, sturdy, functional shelf that attaches to almost any bed frame — including bunk beds. It’s made of quality bamboo and supports up to 15 pounds of weight, so you can pile on the books without a worry. Multiple colors are available ; prices may vary.
Polaroid SNAP Touch 2.0 – Portable Instant Print Digital Photo Camera , $179.99
Point, shoot and print with the all-in-one camera and printer that does it all! The Polaroid SNAP Touch makes it fun and easy to edit photos, add borders and print to share with new friends. It doubles as a video recorder, so taking 1080P/720P HD video is as a simple as pressing a button. It’s great for capturing dorm life, bringing to parties and letting you make and share memories that’ll last a lifetime.
“Oh, the Places You’ll Go!” Graduation Keepsake Edition by Dr. Seuss, $34.99
Dr. Seuss’ timeless book addresses life’s ups and downs in a way that’s both whimsical and poignant. This version of the classic has eight extra pages perfect for personalizing with photos and notes from family, friends and teachers. There’s even a pocket in the back cover to store special pictures, graduation programs and other keepsakes.
Anker Soundcore Bluetooth Speaker , $27.99
This portable speaker offers exceptional sound quality and an impressive 24-hour battery life. Its durable, lightweight design makes it perfect for throwing in a backpack and taking to campus, and it works beautifully with phones, tablets and almost any other Bluetooth-enabled device to play any grad’s favorite music.
Apple Watch Series 3 (GPS + Cellular) , $359
This highly-reviewed smart watch features cellular connectivity, so you can make calls, send texts and take your music with you without having to bring along a clunky phone. It also has GPS capabilities, fitness tracking, heart rate monitoring and more. Apple Watch is also water-resistant, so you can wear it in the pool or the shower without a worry.
Amazon Collection “Go in the Direction Of Your Dreams” Necklace , $29
This sweet sterling silver necklace features a compass pendant engraved with an inspirational message perfect for grads. It’s a thoughtful, affordable gift they’ll wear and treasure for years to come.
Echo Show (2nd Gen) – Smart display with Alexa , $229.99
For recent graduates, calling home is necessary, but video chatting is so much better! With the Echo Show , anyone can make video calls with Skype, the Alexa app, an Echo Spot, or Echo Show. Grads can also watch movies and shows from Prime Video, enjoy live TV and sports with a Hulu subscription, check the weather, listen to music, browse audiobooks and so much more.
Keurig K-Mini Single Serve Coffee Maker , $77.99
This compact coffee maker brews a fresh and delicious cup of joe in minutes. It’s sized just right for small space living without sacrificing flavor or quality. And while the Keurig K-Mini is small, it’s designed to accommodate most travel mugs.
“The Naked Roommate: And 107 Other Issues You Might Run Into in College” by Harlan Cohen , $10.50
This practical gift is a must-read for anyone heading off to college. It’s filled with valuable advice on how to handle dorm life, dating, classes, partying, money and everything in between. For the graduate’s proud parents , there’s also a “For Parents Only” edition of “The Naked Roommate” that we highly recommend.
DormCo The Mini Shelf Supreme , $59.99
This adjustable shelving unit is a must-have for any dorm room. It can fit a mini-fridge ( sold separately ) and is strong enough to support a microwave, coffee maker or a small TV. No tools are required for assembly, and the feet are adjustable to fit uneven floors.
Travel Laptop Backpack with USB Charging Port , $29.99
This best-selling backpack has plenty of storage space and pockets, including a separate laptop compartment. It features a built-in USB charger outside and a built-in charging cable on the inside, so you can conveniently charge your phone even when you’re on the go. It’s made of durable, water-resistant materials, making it ideal for school, travel, professional life and so much more.
Rocketbook Everlast Reusable Smart Notebook , $29.99
This smart, reusable notebook is just as easy to use as conventional notebooks, but it’s a lot more efficient and does the organizing for you. You can upload notes and doodles to the cloud with the push of a button, and using the free Rocketbook app, you can instantly scan your work and turn it into .pdf or .jpg files for instant access anywhere.
Rapid Ramen Cooker (Pack of 2) , $9.99
Make perfectly cooked instant noodles in half the time with the Rapid Ramen Cooker ! These microwavable containers are made of BPA-free, nontoxic plastic that’s reusable and easy to clean. The fill-to line for water is clearly marked, so you don’t even need to measure anything. Just add noodles and water, then follow the cooking instructions based on your microwave. For most users, it takes just 3-4 minutes to whip up a perfect, affordable meal!
The Nintendo Switch , $299
For the grad who loves video games, it doesn’t get much better than the Nintendo Switch . At home or in the dorm, the console docks to connect to the TV, but the Nintendo Switch easily transitions to handheld mode for on-the-go gaming.
Still looking for a perfect present? Sign your graduate up for a free 6-month-trial of Prime Student ! Terms and conditions apply.
More Deals This Week: Why The TUSHY Bidet Belongs In Every Bathroom Why Every Home Needs The Google WiFi System The Scalp Massaging Brush That Will Change The Way You Shower Meet Foldies, The Folding Sunglasses That Fit In Your Pocket All prices and savings listed in this post are as of publication and could change. Patch may earn a commission on products purchased.
Photo Credit: All images via Amazon
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15 See More Events Near You > What are Featured Announcements? Featured Announcements are paid posts promoted by Patch community members. To promote your local announcement on Patch, create an account and start posting here. Feature your announcement on Patch now Featured Announcements Local Author Debut Novel Added by Brian Baker AFFORDABLE Religious School that your kids will love! Added by Ellie Miller Livingston’s Aquinas Academy to Host the 2019 STEM EdVenture Summer Camp Added by MY TECH LEARNING + Add your announcement Latest News Nearby Bloomfield, NJ News Sherrill To Livestream ‘Town Hall’ In District 11 Long Valley, NJ News New Jersey Ranked No. 12 Best State In Country Chatham, NJ News Chatham Resident, Shark Tank Judge Wins Award Barnegat-Manahawkin, NJ News LBI Man Had Meth In System In Deadly Capsize Morristown, NJ News Inflatable Obstacle Course On Morris Co. Lake Back Get Tickets Nearby Beauty and The Beast Wednesday, May 29 at 7:00pm
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New York Ranked 25th Best State In Country: U.S. News | Patch

community corner Shared from Bedford-Katonah, NY New York Ranked 25th Best State In Country: U.S. News U.S. News & World Report released its third annual rankings of the best states in the country. By Michael Woyton, Patch Staff | May 14, 2019 2:35 pm ET {{ replyButtonLabel }} Reply {{ replyCount }} The Gov. Mario M. Cuomo Bridge over the Hudson River. (NYS Thruway Authority Webcam) Washington is the No.1 state in the country, according to U.S. News & World Report’s third annual best states rankings . New York ranked in the middle on U.S. News’ list but received mixed rankings in eight individual categories.
According to U.S. News, Washington’s economy is “booming” thanks to companies like Amazon and Microsoft that are based in the state. Washington also ranks in the top five for health care, economy, infrastructure and education, U.S. News says.
“We are thrilled that U.S. News & World Report has named Washington the No. 1 state in the country,” Washington Gov. Jay Inslee said in a statement shared by U.S. News. “This confirms what we, in Washington have always known, that our state is great for businesses, workers, and investments, coupled with natural beauty and innovative, creative people.
“I am pleased to share Washington’s success with the world.”
New York ranked No. 25 on U.S. News’ list overall. Here’s how New York performed in individual categories:
Health Care: 13 Education: 22 Economy: 33 Opportunity: 47 Infrastructure: 22 Crime & Corrections: 10 Fiscal Stability: 26 Natural Environment: 24 A national survey conducted by U.S. News found that just 27 percent of respondents generally agree that their state is doing all it can to help residents prosper. The survey also found that 52 percent of respondents are generally dissatisfied about the quality of education in their state, 48 percent are dissatisfied about the quality of infrastructure and 42 percent are dissatisfied about the quality of health care.
Respondents also agreed that education, infrastructure and health care are the most underfunded by state governments.
To compile the rankings, U.S. News looked at 71 metrics under eight categories. The eight rankings were weighted based on the average of three years data from a national survey that asked respondents to prioritize each category in their state. Health care, education and economy received the top three weights in the methodology. After U.S. News calculated category scores and rankings, it compiled overall rankings by creating weighted averages of the individual category rankings. ( You can read the full methodology here. )
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How To Build A Successful Writing Career Through Self-Publishing

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These days, aspiring authors don’t have to rely on the miracle of finding a literary agent and securing a deal with a traditional publishing house. Self-publishing makes it easy to get your words out there – the tricky part is ensuring that your work gets read. That requires self-promotion. These three women are experts, bestselling authors who have built highly successful careers through the free self-publishing services offered by Kindle Direct Publishing (KDP), while also being sure to create entire brands around their literary creations to generate income and further secure their fan base. Crystal Swain-Bates aims to include more diversity in children’s books. Crystal Swain-Bates Crystal Swain-Bates
Crystal Swain-Bates is a bestselling author from Atlanta intent on filling the diversity gap in children’s literature. A former CIA employee, she began writing children’s books, including Big Hair, Don’t Care , for black and brown kids in order to boost their self-esteem and celebrate the beauty in their differences . She chose self-publishing with Kindle Direct Publishing (KDP) over traditional publishing because she wanted to retain greater creative control. She has since published more than a dozen of her own books, reaching sales of 100,000-plus on Amazon.
Entrepreneurially minded, Swain-Bates took her success in writing to the next level by starting her own publishing company, Goldest Karat. Here, she sells not only her books but also merchandise, including kids’ party supplies based on characters she has created. In addition, the publishing company helps aspiring and underrepresented authors publish their books and share their stories.
“ in children’s literature,” Swain-Bates says. “I continue to fulfill my mission by helping other diverse authors get published, thereby reducing the invisibility of black characters in children’s books. It feels incredible to earn a living while making a difference at the same time.”
Swain-Bates advises aspiring authors to stop Googling and start writing. “Don’t spend so much time researching and working on the details of creating a book that you miss your chance to actually write the story that’s in your heart,” she says. “The world needs your voice, so focus on writing first. The rest will come together.” Kristen Ashley’s goal is to improve the self-worth of women. Shayr Photography Kristen Ashley
Kristen Ashley is a New York Times bestselling author of self-published romance novels, including the Rock Chick series, that don’t fit the typical fairytale mold. Her books depict real people with relatable stories. “I try to guide women, through my books, not only to accept themselves but also to think they’re pretty darned awesome just as they are and to look at their sisters the same way,” Ashely says. She has parlayed her success in publishing through KDP into a website selling merchandise ranging from T-shirts, hoodies, and mugs, which donates all proceeds to charity. In addition, she hosts Rock Chick events for fans across the country.
After earning a degree from Purdue University with a minor in women’s studies 30 years ago, Ashley made it her mission to define her own self-worth and support other women in doing the same. She first began writing in her 20s with a strong theme of sisterhood, encouraging women to see their own strength and beauty and to celebrate those around them. “Society puts expectations on women that are impossible to attain – our body size, what we wear, how we decide to live our lives (stay-at-home mom, working mom, not a mom), and so on,” Ashley says. She seeks to combat those judgments.
If you have a vision of being published, don’t get bogged down by what a publisher or a reader might want, Ashley advises. “Write simply because you love to write. Do I love it that people read my books? Absolutely. But I feel certain that they do so because I write my stories as they come to me. I give my stories, my characters, their unadulterated voice. I don’t write like others. I don’t want to write like others. I write my own stories.” Penny Reid writes smart romance books for readers, featuring current events and issues. Korie Hayes Penny Reid
A former biomedical researcher, Reid writes “smart romances.” Her first novel, Neanderthal Seeks Human , was rejected by agents and publishers in 2013 as being too odd, with a lead character who “had too many thoughts and used too many big words,” and subject matter that was “too challenging” for romance readers – meaning women. So Reid chose self-publishing.
Now, Reid is happy she ended up without a traditional publishing contract. She sets her own schedule and priorities, which includes writing one book a year for charity. Last year, she donated the entire first month’s royalties, over $30K, for a novel entitled Kissing Tolstoy, to The Hispanic Federation to benefit victims of Hurricane Maria. This year, she will be donating the proceeds of the next novel in the series, entitled Kissing Galileo .
In addition, thanks to a lack of commitment to a publisher, Reid owns the copyright to all her characters and books. She therefore has started her own small publishing business for authors who wish to write within the fictional universe she has created. Twelve authors will be publishing full-length novels in this universe in the next year.
“I’ve always considered my life’s purpose to be doing the most good for the greatest number of people by exploiting my innate talents,” Reid says. She uses her stories as a means to encourage discussion and promulgate knowledge of current events and topics such as cryptocurrencies and blockchain technology, the Nigerian oil crisis, the impact of lobbyists on the governance of the US, big pharma, the foster care system, and advances in artificial intelligence. “I believe that reaching women (and men) who are hungry for character-driven stories discussing contemporary subjects of consequence has the potential for doing a great deal of good for a great many people.”
The question Reid receives most often from writers is: How do I know if my book is any good? “This is the wrong question,” she replies. “No book, movie, painting, art in any form is universally loved. The real, important question is: How do I find my audience? She offers the following advice for eliminating as many barriers as possible to your audience finding, accessing, and discovering your book: Find an editor who loves your voice. Query several. Interview them. Edit mercilessly for pacing and flow. Pay for a fantastic cover that makes your intended audience pause and take a second look. The cover is about the content of the book and should reflect both the content and you (the author) equally. Go where the readers are (e.g. Goodreads, a social media website for readers). Tell your readers where to find you and be there consistently (Facebook, Twitter, email, website, newsletter). Build your audience. Slowly. Carefully. Methodically. Never let them go. Don’t look over their heads for new readers. These first passionate readers will use word-of-mouth to promote you and your work—forever—if you treat them with respect. Don’t sacrifice quality for short term gains. Finally, being an author is not luck. Yes, there is an element of luck in successfully making a living as an author. MeiMei Fox is a New York Times bestselling author specializing in health, wellness and positive psychology. As a writer and life coach, she helps people align careers with their life purpose. MeiMei Fox Contributor I am a New York Times bestselling author, coauthor and ghostwriter of over a dozen non-fiction books and hundreds of articles for publications including Huffington Post,… Read More I am a New York Times bestselling author, coauthor and ghostwriter of over a dozen non-fiction books and hundreds of articles for publications including Huffington Post, Self, Stanford magazine, and MindBodyGreen. I specialize in health and wellness, spirituality and psychology, self-help and finding your life purpose. I graduated Phi Beta Kappa with honors and distinction from Stanford University with an MA and BA in psychology, and then earned an MA in counseling psychology from Pacifica Graduate Institute. I have worked as a life coach since 2009, assisting my clients in developing careers that have meaning and impact. I live in Paris, France with my twin boys and the love of my life, my husband Kiran Ramchandran. Follow @MeiMeiFox Read Less Loading … Also on Forbes ForbesWomen

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