--- title: From Playoffs to Midterms: Let’s Break Down Everything You Need to Know This Week | TIME description: A look at the top college football contenders, what’s at stake in the midterm elections, a look at voter security, and what you should know while planning for retirement. canonical: https://time.com/video/TWz4B2Eb/ og:title: From Playoffs to Midterms: Let’s Break Down Everything You Need to Know This Week og:description: A look at the top college football contenders, what’s at stake in the midterm elections, a look at voter security, and what you should know while planning for retirement. og:url: https://time.com/video/TWz4B2Eb/ og:image: https://cdn.jwplayer.com/v2/media/TWz4B2Eb/poster.jpg?width=720 og:type: video.other twitter:card: summary_large_image twitter:title: From Playoffs to Midterms: Let’s Break Down Everything You Need to Know This Week twitter:description: A look at the top college football contenders, what’s at stake in the midterm elections, a look at voter security, and what you should know while planning for retirement. twitter:image: https://cdn.jwplayer.com/v2/media/TWz4B2Eb/poster.jpg?width=720 --- # From Playoffs to Midterms: Let’s Break Down Everything You Need to Know This Week > Sponsored content. 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They are at time.com/newsletters and are separate from a paid subscription. ## Video: From Playoffs to Midterms: Let’s Break Down Everything You Need to Know This Week [Watch (HLS stream): From Playoffs to Midterms: Let’s Break Down Everything You Need to Know This Week](https://cdn.jwplayer.com/manifests/TWz4B2Eb.m3u8) (13:28)  _Published 2018-10-24. A look at the top college football contenders, what’s at stake in the midterm elections, a look at voter security, and what you should know while planning for retirement._ --- Jul 28, 2023 12:44 AM UTC --- ## More From This Series [All Videos](https://time.com/video/) [From College Bowls to Coding Bootcamps: Let’s Break Down Everything You Need to Know This Week](/video/nlUZPjzW/) ### From College Bowls to Coding Bootcamps: Let’s Break Down Everything You Need to Know This Week [From Resistance to Retail: Let’s Break Down Everything You Need to Know This Week](/video/keatyPli/) ### From Resistance to Retail: Let’s Break Down Everything You Need to Know This Week [From #MeToo to Retiring Abroad: Let’s Break Down Everything You Need to Know This Week](/video/xJCq0wzP/) ### From #MeToo to Retiring Abroad: Let’s Break Down Everything You Need to Know This Week --- ## Transcript [ MUSIC ] Welcome to The Breakdown. Thank you so much for joining us. I'm your host, Neha Joy, and we're here with the top stories of the week from Sports Illustrated, money, time, and fortune. And this week we look at the top contenders in the race [ INAUDIBLE ] the college football playoffs. How to create a retirement plan built to last [ UNKNOWN ] 2018 midterm elections and discuss the future of voting. So let's dive in. [ BLANK_AUDIO ] In the four seasons since it debuted the college football playoffs have transformed the way teams and conferences build their schedules. And while it's had it's fair share of controversy, the playoffs replaced the heavily criticized Bowl Championship Series, that ran from 1998 to 2013. After nine full game weeks, the College Football Selection Committee announces the first of its six rankings on October 30th. A 13- member committee ranks teams however they like. Considering factors such as conference championship wins, strength of schedule, and head to head matchups. And the final four teams slated to play at this year's semi finals will be announced on December second. And with each team vying for a shot at the national championship, who are the strongest contenders. About Clemson and Alabama looked like they're on the inside track to return to the semi- finals after their championship win against Georgia last year. The Crimson Tide continues to look like the team to beat. [ UNKNOWN ] scored a touchdown on On their first possession in each of the season's first eight games. And put on the points from there. Well LSU defence be able to stop their trick. Quizer has also dominated in its quest for a fourth consecutive playoffs for The Tigers took control of the ACC Atlantic in a 41 to 7 blowout of NC State. Trevor Lawrence passed for 308 yards and a touchdown, and lead running back Travis Etienne added three more touchdowns. As it stands the Tiger's loaded defense might have the best chance of anyone To slow down Alabama. Notre Dame needs to maintain its winning streak for its slot at the playoffs, which of course, is easier said than done. But with wins over Michigan, Stanford, and Virginia Tech, the team has one of the best resumes in the country as of week eight. Meanwhile, Michigan's defense has done the dirty- work for the Wolverines, to claw their way up the rankings. The team now leads the nation in total yards allowed and passing defense. And they're the top ten in rushing defense. On the same day that OSU collapsed defensively against Purdue, the Wolverines completely shut down Michigan State in a 21 to 7 win. So as of week eight, it looks like the Big Ten's biggest playoff threat resides in Ann Arbor. And with the team's offense finding it's footing under Shea Patterson, it's a good time to be wearing mays and blue. The bad guys may have fell our of the top ten after a blow out 49 to 20 loss against Purdue, but always, you can still win the Big 10 Championship. It will just be an uphill battle since that loss won't be easy to erase. LSU is another team that controls it's fate. Things are looking good for the tigers with wins over Miami, Auburn, Georgia, and Mississippi State. And if LSU wins against Alabama, it'll win the West and we'll get to play in the SEC championship, If it loses, the team will be knocked out of the playoff picture entirely. Well upsets raw arrange in a clear playoff picture, there's nothing like a little college football chaos to keep us on the edge of our seats, and rooting for our home team. [ BLANK_AUDIO ] Americans are living longer and that means it's time for a retirement reality check According to peer research the world Centenary and population is expected to grow 8 folds by 2050. So with more Americans living to 100 and beyond how do you build a retirement plan made for the long haul. In the past financial advisors use 30 years as a conservative benchmark for retirement planning. But firms have started to stretch their timelines. Think about it, if you retired at 60. you'd still have 40 years to live up your savings. Retiring 80 and your savings would have to stretch two more decades. Meanwhile, Fidelity reports that the average savings of workers ages 60 to 64 with a 401K is $ 195, 200. Which is hardly enough to take most retirees across the finish line. Since 40 is the new 30 when it comes to retirement planning, here's how to prepare for the long road ahead. Social Security is limited and it replaces only about 40 % of the average worker's paycheck, with no guarantees it'll maintain that rate in the future. Plan for the unexpected and get into the habit of saving. New tools like online retirement calculators and 401K autescalations, make it easier for you to stay on track. To beat inflation future retiries need to invest agressively, in both domestic and international stocks. Even at low level inflation is a silent killer, at just 2 % the gallon of milk that costs you $ 3. 75 today Will cost you $ 6. 79. To outrun inflation retirees should have between 35 % and 55 % of their overall portfolio in stocks and by 40 you should have at least three times your annual income saved up. Planning for possible long term care needs is another critical step in preparing for retirement. According to Genworth, the median national cost for a semi- private nursing home room was $ 7, 148 a month in 2017, while a home health aide costs $ 4, 100 a month Understand that Medicare doesn't cover these costly expenses, and considering purchasing separate long- term care insurance. Most importantly pay off all your credit card and high interest debt before your retirement. You don't wanna burn your savings on repayment plans in your golden years. With these tips in mind you'll be able to plan for life's detours and be closer to living out your dreams in retirement. [ SOUND ] US midterms don't typically get a lot of attention, but this year is different. The 2018 congressional election has solidified its status as a coast- to- coast battle for the house, with both President Trump and Former President Barrack Obama hitting the campaign trail to back candidates. [ UNKNOWN ] Elections are slated to not only determine the balance of power in congress but they also have the potential to shape the strategies and identities of the two parties heading into the 2020 presidential race. By now Republicans have the majority and both the House of Representatives and the Senate. Election is such a big deal because it represents Enormous stakes for both parties. If the Republicans keep the house, they will see it as a reinforcement of Trump's mandate. And for the Democrats, it's an opportunity to put a check on President Trump, and try to use congressional power to get at some of the scandals that have already been plaguing his presidency. House members serve a two year term, so every seat is up for grabs. Right now Republicans have 236 out of 435 seats. Democrats have 193, and six are vacant. And there are a record number of house members not seeking re- election in 2018. With more than 40 Republicans not running again, including house speaker, Paul Ryan. So what happens if Dems manage to take the House? It's very unlikely but they will be able to pass meaningful legislation to advance their agenda. So it's highly unlikely that we're gonna see anything like MediCare for all. What is very likely is that Democrats will use the powers of Congressional subpeona and Congressional investigation To investigate this president who has been accused of so many ethical elapses. But fliiping the House is rare. In fact in the past 25 years it' only happened three times. Yet each time voters favor the party not in the White House. This combined with the voter energy has Democrats optimistic Voters are really interested in this year's midterms, partly because of what happened in the 2016 election. Voter turnout in the primaries among Democrats doubled from 2014 levels. And you're also seeing a tremendous amount of activism over the last two years that has all been building up to this year's midterms. And after a device 2016 Democratic Primary, the party is experiencing a revival or sorts. There's a tremendous amount of enthuiasm around registering and mobilzing voters of color. And white suburban moms living in these Districts that have kind of swung conservative in the past, but now we're open for pickup for the Democrats. There are a lot of college educated women who woke up after the 2016 election and said this is not the country that I thought I was raising my kids in, and have basically spent the last two years knocking on doors for Democrats. Meanwhile, Trump's outsider politics continues to reign supreme for Republicans. So Republicans have really been leaning into Trumpism. The energy is around people who are really embracing Trump's agenda. And it's not just congress that could change, there are 36 governorships up for grabs and more than 6, 000 members of state legislatures will be elected. A record number of women are running for office and this year's candidates could make history. Arizona and Tennessee could send women to the US Senate for the first time. The US House of Representatives could get it's first Somali American and native american women. But ultimately it'll be voter turn out that will determine this election. there's a tremendous amount of energy and enthusiasm around getting voters who don't typically show up to the midterms to actually show up and vote this year and so if the voter base is significantly different then it's likely that the results will also be significantly different [ MUSIC ] It's time to talk election security. Over the years Washington rarely paid much attention to the mechanics of state elections by Russia's surprise attacks on the 2016 campaigns through cyber hacks and the spread of the misinformation across social media has triggered an alarm across the government and the public. The Department of Homeland Security confirmed that Russians try to hack election systems of 21 states in 2016, and the dizzying pace of election threats as of late has only heightened fears in the run- up to November's mid- terms. Microsoft said it's spotted interference attempts against at least three mid- term campaigns Google's taken down more than three dozen YouTube account it believes were linked to Iranian intelligence while Facebook said it deleted 652 accounts linked to foreign interference from Russia and Iran. But despite these advanced security threats, US voter tech is stuck in the past According to Brennan Center for Justice, 43 states have voting machines that are at least a decade old, and numerous reports show that most machines are vulnerable to hacking. In fact at this year's Defcon Hacking Convention an 11 year old hacker needed just 10 minutes to change the votes on a replica of Florida's election system It's this reason the congress set aside $ 380 million in March, to support states efforts to booster elections security. In some states like California, plans to use the funds to upgrade software of Hawaii trying to provide a voting officials with cyber security training. Five states individual even have voting machines with paper back ups to verify election results With so much at stake, how far are we from election technology that matches the 21st century. Here to discuss the future of voter security tech is Fortunes Digital editor, Andrew Nusca. All right, Andrew. Thanks so much for joining [ INAUDIBLE ] Now, let's get right to it. With the ongoing threat of election interference, what's wrong with the current voting tech? [ LAUGH ] What isn't wrong, right? I mean, we have a system that is just behind the times, right? We don't want to invest in technology. And so we have huge swaths of the country that still only do voting by paper. So that's the big problem. We just won't invest to begin with. So what's changed since the last election ? >> I mean not a whole lot technologically because of the resistant right? But there has been a huge change in mentality, In the old days of security we used to think about like a word garden. A castle , keeps the the barbarians out of the gate. But now we asume that we're gonna get hacked. With the government talking about Facebook, Russia interference, and all that kind of thing. We're seeing that there's an acknowledgement which means we're building the technology differently, and that's great. So the reality is, that advanced technology Technology is expensive right? Yeah. So will next generation technology actually make it to the ballots? [ LAUGH ] I hope so, I mean this should be a bipartisan issue, protecting what makes our democracy a democracy, the vote, we should all agree on. But there has to be a will. I for one hope that there's a space race of some kind. The same way we see the rhetoric around artificial intelligence and 5G wireless networking. This thing should be a national issue. We should be plowing money, public and private into securing our voting system. So I think it's possible if they want Mm- hm, all right, very insightful stuff. Andrew thanks for joining us. Thank you. And that's The Breakdown for this week, until next Wednesday, I'm Neha Joy and thanks for joining our weekly roundup of the news. [ MUSIC ] ```json {"@context":"https://schema.org","@type":"VideoObject","name":"From Playoffs to Midterms: Let’s Break Down Everything You Need to Know This Week","description":"A look at the top college football contenders, what’s at stake in the midterm elections, a look at voter security, and what you should know while planning for retirement.","thumbnailUrl":"https://cdn.jwplayer.com/v2/media/TWz4B2Eb/poster.jpg?width=720","uploadDate":"2018-10-24T20:42:38.000Z","contentUrl":"https://cdn.jwplayer.com/manifests/TWz4B2Eb.m3u8","embedUrl":"https://time.com/video/TWz4B2Eb/","duration":"PT13M28S","potentialAction":{"@type":"SeekToAction","target":"https://time.com/video/TWz4B2Eb/?jw_start={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"}} ```