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Why This Erin Krakow Hallmark Movie Failed to Win Fans

Erin Krakow may be one of Hallmark’s most recognizable stars, but her latest holiday outing, “Christmas Above the Clouds,” has left some viewers divided. The 2025 TV movie reimagines “A Christmas Carol,” with the “When Calls the Heart” favorite stepping into the Scrooge-inspired role of Ella Neezer. Instead of wandering through familiar snowy streets, Ella’s encounters with Christmases past, present, and future unfold during a flight to Australia.

The premise offered Hallmark a chance to put a modern spin on a beloved classic, and plenty of viewers appreciated the concept. Still, not everyone was sold on Krakow playing a colder, more ruthless character. A recurring complaint centered on her voice before Ella’s ghostly wake-up call. One Redditor wrote, “The way they had her changing the tone of her voice to sound like a cold bad boss woman didn’t work for me.” Another viewer said Krakow initially sounded, “Like she was a rich person who has only hung around rich people for her whole life,” adding that it felt odd for that vocal trait to disappear once Ella softened.

For other fans, the issue was less about the delivery and more about Krakow’s naturally warm screen presence. “I watched the first half and just had such a hard time believing her as a mean and cold hearted person,” one Redditor admitted. Another agreed, writing, “I think she was unconvincing when she was supposed to be cold […] Much better when she started to warm up.” Being perceived as likable is hardly a career flaw, but for a Scrooge-style role, some longtime Hallmark viewers clearly wanted a sharper edge.

Some Hallmark viewers questioned Hallmark’s styling choices

Performance notes weren’t the only complaints. A number of Reddit users took issue with the styling in “Christmas Above the Clouds,” especially the hair and wardrobe. One viewer joked that the movie didn’t land for them, “Mostly because I hated [Erin Krakow’s] hair.” Another Redditor broadened the criticism to the network’s overall approach, declaring, “Those awful Hallmark [hairdos] for its female leads have GOT TO GO!” Krakow’s co-star Tyler Hynes also drew a playful jab, with one Reddit user quipping, “I’m sorry to be the one to say it but he looks like he snaps his hair on like a Lego guy.”

The costumes sparked similar debate, particularly Ella Neezer’s white tracksuit. One viewer felt the outfit didn’t quite match the character, even in the context of a long flight. Responding to someone who enjoyed the movie but called the tracksuit “unflattering,” they argued, “I also don’t know if new Ella would wear a track/sweat suit on a plane, even if it is more comfortable.” Even so, “Christmas Above the Clouds” has found an audience among Hallmark holiday fans. One YouTube commenter went so far as to call it, “My new favorite Christmas movie this year!”

High praise for a network known for their holiday fare. Likewise, even though plenty of critics complained about Krakow and Hynes’ lack of chemistry, others were thrilled to see the beloved Hallmark duo working together again. “About time they’re back together. Hope Hallmark doesn’t wait another 4 long years to reunite them again!” one gushed. Luckily for the haters, if they do collaborate again soon, there are tons of other Hallmark Christmas movies to choose from.

Remembering Charlie Kirk, Indispensable Voice for Truth

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It still seems as though America lost Charlie Kirk only yesterday.

The memories of that moment remain sharply etched in my mind.

That week, Charlie and I had been speaking every day as he got ready to launch another national speaking tour on college campuses.

The night before the tour was set to begin at Utah Valley University, I joined a small Zoom meeting he had personally arranged.

Less than 24 hours later, that same campus became the scene of his murder.

Everything about the assassination was astonishing: The unconscionable security failure from the campus police and Charlie’s detail, the fact he was killed while modeling robust and respectful debate, the utterly depraved nature of the act and the apparent transgender-related motive of the accused killer.

I broke down in tears when I heard the news. One year later, it still seems like a bad dream.

Charlie died as a martyr for free speech, a bedrock ideal of the country he loved so much.

He was a thought leader, an institution builder and a grassroots-mobilization visionary.

The cranks and kooks overrunning the online right today are a sad testament to the void he left behind: Charlie, the guardian of the floodgates, was the conservative coalition’s indispensable man.

I feel Charlie’s glaring absence every day.

And one year later, it’s clear that far too many Americans still haven’t learned the right lessons from his martyrdom.

The first of these: the essential importance of free speech.

When Charlie was killed, he was sitting under a canopy emblazoned with his slogan, “Prove me wrong.”

All he ever wanted to do was have a conversation — especially with the liberals who disagreed with him.

Charlie exposed lefty logical fallacies and shattered socialist shibboleths, but he always did so with poise, grace and a winsome smile on his face.

A society that cannot abide polite conversations about the pressing issues of the day is a society that cannot endure.

That’s especially true when the faction of society most unwilling to abide such a conversation is its would-be future leaders — namely, university students.

Americans established our system of free speech because we care about the truth.

We protect free speech because we believe open debate helps us discover what the truth actually is.

That’s the whole point of Socratic dialogue — named after another wise man who died because he asked tough questions.

But if you reject truth, as so many in the woke mob do, you must reject free speech, too.

One year later, has anything changed? It doesn’t seem so.

In the final year of his life, for example, Charlie was outspoken in warning about the dangers of radical Islam.

Today, as Abdul El-Sayed runs for Senate in Michigan and New York City commemorates the 25th anniversary of 9/11 with Mayor Zohran Mamdani at its helm, America is being forced to have that conversation.

The response has been telling: lots of hysterical leftist cries of “Islamophobia,” and little meaningful exchange of ideas.

The militant left would still rather shut down dissident speech — by any means necessary.

The second lesson of Charlie’s loss: the sanctity of human life.

The assassination of Charlie Kirk — like the attempts on President Donald Trump’s life and the cold-blooded killing of UnitedHealth CEO Brian Thompson — was welcomed with glee by many on the far left.

It was a grisly reminder of the leftist violent streak that goes back as far as the guillotine of revolutionary France.

One might have thought that this year, the 250th anniversary of that great American affirmation of the right to life as the first of all “self-evident” truths, would prove an opportune time to step back from the ghoulish brink.

If anything, the opposite has happened.

The Lindsay Clancy trial in Massachusetts has exposed just how far some Americans have gone in their complete rejection of the value of human life — and their macabre celebration of death itself.

For weeks outside the courthouse in Plymouth, throngs of adoring Clancy fans gathered to cheer her on.

They welcomed her defense attorney like a prizefighter entering the ring, or a rock star walking out on stage.

Except Clancy isn’t Mike Tyson or Paul McCartney — far, far from it.

She is a heinous murderer who killed her three children in the coldest blood imaginable.

But that wasn’t convincing enough for the jury, which deadlocked.

It seems many of our fellow Americans no longer care about the truth, or value life.

Rather, many are content to live by lies — and to glorify no longer living at all.

Charlie Kirk, on the other hand, resisted that depravity.

Even in death, he can still teach so much — at least for those willing to listen.

Josh Hammer is a Shillman Fellow at the David Horowitz Freedom Center and author of “Israel and Civilization: The Fate of the Jewish Nation and the Destiny of the West.”

Ukraine Hits Russia’s Arctic Gas Hub as Trump Presses Putin on Peace

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Ukrainian drones reached far into Russia’s Arctic region on Wednesday, triggering a fire at an industrial site in Novy Urengoy, a key city within Russia’s vital natural gas production hub, according to Russian officials and the Associated Press.

Regional Governor Dmitry Artyukhov said Russia’s air defense systems intercepted the incoming drones, but debris from the downed aircraft ignited a blaze at an industrial facility. Officials did not name the site, and authorities were still evaluating the scale of the damage, Reuters reported Wednesday.

Ukrainian defense company Fire Point seemed to hint at responsibility for the long-range strike, writing online: “Guess who covered more than 3,300 km and successfully hit the target.”

The remarkable cross-border attack unfolded as Washington tries to revive efforts to end the war, now in its fifth year, while both Moscow and Kyiv continue escalating long-distance strikes against each other.

Flames and smoke rise from an industrial facility in Novy Urengoy, in Russia’s Yamalo-Nenets Autonomous Okrug

Flames and smoke rise from an industrial facility in Novy Urengoy, in Russia’s Yamalo-Nenets Autonomous Okrug, after a Ukrainian drone attack on Sept. 9, 2026. Russian officials said air defenses repelled the attack but falling debris sparked a fire. (East2West)

Speaking to reporters at Joint Base Andrews on Wednesday, President Donald Trump said he had just spoken with Russian President Vladimir Putin and suggested both Moscow and Kyiv may be prepared to negotiate.

“We had a great conversation. He is wanting to make a deal. And if Zelenskyy is wanting to make a deal, that would be very nice,” Trump said.

Asked what was holding up an agreement, Trump pointed to the personal animosity between Putin and Ukrainian President Volodymyr Zelenskyy, calling them “two people that hate each other.”

“These are two people that are tired of fighting,” Trump added.

Trump’s comments followed a weekend diplomatic push by U.S. special envoys Steve Witkoff and Jared Kushner, who traveled to Moscow and Kyiv in an effort to revive negotiations. The talks produced no breakthrough, according to the Associated Press.

U.S. officials sit across from Russia’s president during a high-level meeting at the Kremlin.

Steve Witkoff and Jared Kushner attend talks with Russian President Vladimir Putin at the Senate Palace of the Kremlin in Moscow on Dec. 2, 2025. (Alexander Kazakov, Sputnik, Kremlin Pool Photo via AP)

Russia resumed major missile and drone attacks on Kyiv shortly after the American delegation left Ukraine, killing five people and wounding 35 on Tuesday, Reuters reported.

A European intelligence source told News Media that the simultaneous diplomacy and military escalation reflects a long-standing dilemma for Western governments trying to engage Moscow.

“You have to talk, you have to explain,” the source said, arguing that communication is necessary to prevent misunderstandings.

Smoke and flames rise over Moscow on June 18, 2026, following a Ukrainian drone attack that hit the Kapotnya oil refinery and other targets in the Russian capital. (East2West)

But the source said Russian officials can interpret Western outreach differently.

“Whenever you talk with them, they consider that this is a Western weakness,” the source said, adding that the assessment was based in part on informal contacts with Russian officials.

The source also said Putin’s recent emphasis on Russian “military progress in Ukraine” appeared aimed in part at Washington, projecting strength as U.S. officials seek to revive negotiations.

The escalation is taking an increasing toll on civilians. The United Nations said last month that Russian attacks killed or wounded more Ukrainian civilians in July than in any month since March 2022, with 437 killed and more than 2,600 wounded.

More than 16,800 Ukrainian civilians have been killed and more than 51,000 wounded since Russia launched its full-scale invasion in February 2022, according to the U.N. Human Rights Monitoring Mission in Ukraine. Moscow has repeatedly denied deliberately targeting civilians and says its strikes are aimed at military and military-related facilities.

Russian drone strike damage in Ukraine

A rescuer works at the site of a Russian drone strike in Dnipro, Ukraine, in a picture released on April 30. (Governor of Dnipropetrovsk Regional Military Civil Administration Serhiy Lysak via Telegram/Handout via Reuters)

United24 described Wednesday’s attack as the deepest Ukrainian drone strike inside Russia since Moscow launched its full-scale invasion in February 2022.

Novy Urengoy lies roughly 1,740 miles from Ukraine’s border. Artem Zhoga, Putin’s envoy to Russia’s Urals Federal District, said a Ukrainian drone had attempted to strike a fuel-and-energy facility in Yamal, according to Meduza.

The city sits in Russia’s Yamalo-Nenets Autonomous Okrug, the country’s dominant natural-gas producing region. About 80% of Russia’s natural gas is extracted there, according to Interfax data cited by the Associated Press.

Artyukhov said there were no reported casualties.

The attack was part of a broader Ukrainian drone assault on Russia. Zelenskyy said Ukrainian forces also struck targets around the Black Sea port of Novorossiysk, including a naval base, an oil-loading terminal, military port facilities and warships capable of carrying cruise missiles, according to the Associated Press.

Russian authorities said four people, including a child, were killed and 29 wounded in the Novorossiysk attack.

Firefighters work at a site of an apartment building hit by a Russian drone strike, amid Russia's attack on Ukraine, in Kyiv

Firefighters work at a site of an apartment building hit by a Russian drone strike in Kyiv, Ukraine, in this handout picture released Sept. 9, 2026. (Press service of the State Emergency Service of Ukraine in Kyiv/Handout via Reuters)

Russia, meanwhile, continued its own long-range campaign against Ukraine Wednesday. Russian drones struck the Starokozache border crossing between Ukraine and Moldova, killing two civilians and wounding three, while another wave of attacks on Kyiv killed one person and wounded 14, according to Reuters.

French Lifeboat Service Refused to Rescue 120 Migrants on Dinghy

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France’s lifeboat service declined to take 120 migrants off a large inflatable dinghy heading for Portsmouth, saying any attempt to transfer them at sea could have endangered those on board.

The Prefecture of Manche spent around £90,000 on an operation involving five vessels and two helicopters, which tracked the unstable boat as it travelled from Utah Beach in Normandy towards England’s South Coast.

After the dinghy crossed into British waters, the migrants were collected by two RNLI lifeboats and brought to Eastney ferry port, where they arrived on Sunday and were met by hundreds of anti-migrant demonstrators.

Four of the five boats following the so-called mega-dinghy were operated by the SNSM, France’s counterpart to the RNLI.

But the French volunteer rescue organisation decided against allowing the migrants onto its lifeboats after judging the transfer too dangerous, leaving the rescue and landing to the RNLI.

A spokesman for the prefecture said: ‘Determined to reach the United Kingdom, migrants making the crossing in makeshift vessels refuse the assistance offered by French services and only accept it when faced with situations of extreme urgency.

‘Given the structural fragility of the boats, which are consistently overloaded, the decision has been taken not to force migrants to board state-run rescue vessels, so as to avoid putting their lives at risk in the event of a shipwreck.’

Every ship and harbourmaster is bound by Article 98 of the United Nations convention on the law of the sea and the safety of life at sea convention to help anyone in distress in the water when their lives are at risk.

The migrants were brought ashore by RNLI vessels at Eastney Landing on Sunday

The migrants were brought ashore by RNLI vessels at Eastney Landing on Sunday

Crowds stayed in the area until the early hours of today

The landing sparked protests which saw demonstrators clash with riot police until they were dispersed in the early hours of Monday 

Distress is defined as ‘a situation wherein there is reasonable certainty that a person, a vessel or other craft is threatened by grave and imminent danger and requires immediate assistance’.

Rescuers are meant to avoid attempting to board or redirect a boat if there is a danger it could capsize. 

But Shadow Home Secretary Chris Philp warned that France’s failure to intervene in the early stages of migrant crossings was ‘putting lives at risk’. 

‘Around 100 people have died trying to cross the Channel already. The French could easily end this – they could stop the boats as they embark in knee-deep water, or stop them at sea near the French coast.

‘The Belgians do this, and the Australians have done it in the past, with no loss of life at all. Allowing this to continue simply puts more lives at risk and allows the illegal crossings to continue. 

‘Shabana Mahmood should not be paying £660m of our money while the French refuse to do what other countries will do.’

The two RNLI lifeboats were denied entry to two larger ports before docking near Portsmouth, it emerged yesterday. 

Their crews were barred from docking at Southampton Port and Portsmouth Harbour, with governing bodies threatening legal action if they did so. 

A broadcast on an open marine VHF radio revealed that Southampton Vessel Traffic Service and King’s Harbour Master Portsmouth denied the RNLI permission to enter either port or their approaches and failure to comply could result in criminal prosecution.

The crews of the Bembridge and Yarmouth lifeboats therefore decided to sail several miles further along the coast and dock instead at Eastney, where the confrontation later unfolded.

Large crowds blocked traffic along the road leading away from the port in an attempt to stop the migrants reaching a processing centre in Kent. Police were seen carrying riot shields as they confronted the black-clad mob.

Hampshire Police Federation claimed two officers were pushed off motorbikes, while others had bricks thrown at them. 

The chaos came a day after masked anti-migrant protesters blocked traffic at the Port of Dover.

Hard-Right organisation Patriot Platform – run by convicted attempted kidnapper Daniel Thomas – claimed responsibility for the demonstrations in Portsmouth and Dover. 

The migrant ‘mega-dinghy’ had travelled about 70 miles from the Normandy coast, becoming the first migrant boat known to have completed such a lengthy crossing. Its route was far removed from the usual transit point between Calais and Dover.

The decision to land the migrants in Portsmouth has sparked a major row, with Portsmouth City Council leader Steve Pitt accusing the Home Office of ‘poor judgment’.

He said: ‘The Government needs to take more action to prevent small boat crossings. Clearly people are not happy with the situation and we respect everyone’s right to protest, but it should be done peacefully and within the law.

‘We are pleased the coaches were eventually able to leave Portsmouth early this morning to take people outside Hampshire for processing in the normal way.

‘The council wasn’t asked about the decision to land the lifeboats in Portsmouth. This was entirely a decision taken by UK Border Force, the Maritime and Coastguard Agency and the Home Office.

‘It was a completely unsuitable location to bring the boats ashore. This entire situation was avoidable and has brought needless disruption to our city. I would like to thank the emergency services for their professionalism under very challenging circumstances.

‘However, the Home Office has some serious questions to answer about its lack of planning, inconsistent decision-making and, ultimately, poor judgment. It put people at risk. This cannot happen again.’

There are now fears more dinghies will make the long-distance sea voyage from Normandy as smugglers evolve their tactics.

A senior French interior ministry source told the Daily Mail: ‘The geographical focus of the people smugglers is definitely changing.

Lifejackets dumped by migrants by the road at Eastney Beach

Lifejackets dumped by migrants by the road at Eastney Beach

‘They are finding it much harder to get boats launched in the Pas-de-Calais and so are moving west to Normandy.

‘We expect far more of the mega-dinghies to appear here in the coming weeks and months. The success on Sunday proved the voyage can be done.’

Occupants of the Portsmouth dinghy, including 20 women and eight ‘very young children’, refused rescue after their outboard motor broke down, according to French officials.

A Home Office spokesman said: ‘We condemn the intimidating and thuggish behaviour we saw in Portsmouth last night.

‘The right to peaceful protest is fundamental to our democracy, but it must never cross the line into disorder. We thank the emergency services who safely managed this situation.

‘This Government is doing the hard and necessary work of bearing down on small boat crossings, with the lowest number of arrivals between June and August since 2020.’

The RNLI helped more than 36,000 people across its lifeboat and lifeguard services last year, with crews launching more than 9,000 times to assist those in distress at sea.

RNLI lifeboat crews insist they have a duty to rescue anyone at sea, regardless of who they are.

Trump Frames Midterms as Choice Between GOP Prosperity and Democratic Decline

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DALLAS—President Donald Trump used his Wednesday keynote address at the Republican National Convention to frame the upcoming election as a stark choice for the country: continued prosperity if Republicans keep control of Congress, or a setback if Democrats take power.

Trump walked onto the stage at the American Airlines Center to Lee Greenwood’s “God Bless the USA,” opening the first night of an unusual midterm Republican National Convention. The Dallas arena, home to the Mavericks and Stars, hosted an event that breaks from tradition, as national party conventions have typically been reserved for presidential election years, when parties formally nominate their White House candidates.

From the outset, Trump made clear that his speech would center on the stakes he believes voters face in November.

“In 55 days, Americans will be going to the polls in one of the most important elections in our country’s history. Your vote will decide whether our country stumbles at the starting gate of the next 250 years or surges forward and never ever looks back,” he said.

Trump warned that giving control to what he called “the radical left Democrats” would leave the nation struggling for years to recover. By contrast, he urged voters to back Republicans, saying the party would position the United States to “leave the world in our dust for generations to come.”

Trump stressed that 35 key races will decide the majorities in the Senate and House come November. Republicans hold the Senate with a 53-47 majority over Democrats and independents in their caucus, and in the House, Republicans hold a 218-214 majority. Republicans look to defend key Senate seats in Texas, North Carolina, Iowa, and Ohio, and can flip Democrat seats in Michigan, Maine, and Georgia. Trump carried all of these states, except for Maine, in 2024. He intends to visit every state where a race is on a knife’s edge.

“We have a very short period of time, and we really have 35 races. They all count, but we have 35 races that are, I guess you’d call swings, right? Like we had seven swing states, we won all seven, right? Yeah. So I said, not that I’m looking for the work. You know, I said the other day I got so much of a schedule. I said, ‘I thought I won. What do I have to do? I’m campaigning,’ But I am. We’re campaigning to make it incredible,” he said. 

“The ones that are very close—they might be winning by a little, or losing by a little, or tied—we can win every one of those races,” he said. “But I’m going to go to every one of those states for congressmen and Senators… and we’re going to have rallies just like this.”

Democrats have worked for much of Trump’s second term to make “affordability” a key midterm issue, but Trump hammered Democrats on Wednesday for the nearly five-decade high inflation they sparked in the Biden years through immense spending and green energy policies.

“Our predecessors killed and buried the American dream with trillions of dollars in waste and green energy scams—the greatest scams in American history—green energy… Most of them had no idea what it was, they just said, ‘Let’s go green,’ And every country that’s gone green is down the tubes, you do know that, but it caused prices to skyrocket,” Trump said. 

“They used the word affordability, right? They are so fake, because it was them that caused the affordability, to use their word, crisis, and I’m bringing the prices way down, way way down…We’re fixing it. We’re fixing it,” he added. 

Trump also predicted that the Iranian regime is holding out on a deal in efforts to leverage a big win in favor of Democrats in November, who the president says the regime would rather deal with. He predicted the war would soon end after the elections and the Iranian regime would be quitting.

“And prices right after this very important election on November 3 will be plummeting. The war will be over very shortly after the election. They’re hanging on for dear life, hoping that we lose, so they can deal with dumb, weak Democrats, and they can have their bomb,” he said. “We’re not going to let that happen.”

“So they’re going to be quitting or dropping out or who knows what the hell, whatever it is, right after Election Day, because they…. desperately want to deal with Democrats like Obama, Barack Hussein Obama,” he added.

Republicans look to defy historical trends in the midterms this year. Only twice has a party that controls the presidency, the Senate ,and House kept both congressional majorities in a midterm election. It most recently happened in former President George W. Bush’s first term. Before that, Democrats held majorities in 1934 during Franklin Delano Roosevelt’s presidency.

How a Smart Retirement Strategy Helped Me Work Less and Travel More

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By the time Jessica Fick turned 31, she had hit a financial turning point: her retirement savings had grown large enough that she could potentially stop contributing altogether.

Rather than keep funneling cash into investment accounts, Fick could allow the money she had already set aside to compound on its own for the next several decades.

The approach is called coast FI, short for coast financial independence, and it is becoming increasingly popular with younger Americans looking for an alternative to spending their careers chasing bigger paychecks solely to secure retirement.

Unlike the more widely known FIRE movement — financial independence, retire early — coast FI does not necessarily require walking away from work decades ahead of schedule.

Instead, the concept is simple: once a person has saved enough in retirement accounts, those investments may be able to grow to the desired retirement goal over time without any additional contributions.

When it works, coast FI can give people the freedom to work fewer hours, take a lower-paying job, change careers, start a business or simply enjoying the life they are living today.

Fick is 39 now and living in New Hampshire, but eight years ago she realized that the $300,000 she had saved could potentially grow to almost $3 million by age 65 if it returned an average of 7 percent annually – and she wouldn’t even have to save one more dollar. 

The idea came at a particularly important moment. About a year before discovering coast FI, she had left a six-figure corporate job after suffering severe burnout.

At 31, Jessica Fick realized she had reached a financial milestone that could potentially allow her to stop aggressively saving for retirement

At 31, Jessica Fick realized she had reached a financial milestone that could potentially allow her to stop aggressively saving for retirement

Fick had been working in human resources, and much of her identity had been bound up in professional success.

Eventually she realized she didn’t want to spend her life working all week only to spend evenings, weekends and vacations recovering from her job.

‘I had already built a solid foundation by saving and investing consistently throughout my twenties,’ Fick told the Daily Mail.

‘That’s what made coast FI so powerful for me,’ she said. ‘It helped me realize that the savings I’d accumulated weren’t just preparing me for retirement someday. They could actually give me options much sooner.’

Rather than returning immediately to another demanding corporate role, Jessica took a part-time HR position at a nonprofit.

The job paid considerably less, but it gave her something she had been missing: time and balance. Then, in 2019, she discovered Coast FI while researching financial independence.

‘It showed me that once you’ve saved enough for your retirement investments to grow on their own, you don’t necessarily have to keep optimizing for the highest salary,’ she said.

‘Instead, you have the freedom to make career decisions based on what matters most to you.’

The discovery gave Fick the confidence not to increase her working hours simply to earn more. Instead, she began experimenting with a different future.

Fick and her husband had around $300,000 saved when they realized they had reached their own coast FI milestone. They now run their own business together

Fick and her husband had around $300,000 saved when they realized they had reached their own coast FI milestone. They now run their own business together

In 2020, Fick launched The Fioneers, a business focused on financial independence and lifestyle design, while continuing to work part-time.

By 2021, the business had grown enough for her to leave her nonprofit job and work on it full-time. Fick’s husband eventually joined her, leaving his own job in 2023.

Later that year, the couple decided to take the full coast FI approach and stopped contributing to their retirement accounts. They had $300,000 saved, but Fick stresses that everyone has to set their own coast FI goal based on their own needs and preferences.

The amount depends on factors including your age, anticipated retirement lifestyle, spending needs and assumptions about investment returns.

These factors can change. Inflation, healthcare costs, market downturns and major life events such as having children or buying a home could all alter someone’s financial needs decades down the line.

Fick views coast FI as a planning tool rather than a guarantee. The real benefit, she believes, is what happens psychologically when people realize they have built a robust financial cushion.

‘Many people assume they need far more money than they actually do before they have options,’ Fick told us.

‘Calculating your coast FI number can help you see where you stand and what opportunities might already be within reach.’

Her own experience illustrates exactly what those options can look like. Today, Fick and her husband continue to run The Fioneers because they genuinely enjoy the work – not to maximize their income.

Their earnings vary from year to year because they are business owners, but they have deliberately designed their spending around what matters most to them.

They own their home and car outright, while their biggest expenses tend to be home improvements and travel.

The couple also work part-time and spend several months each year travelling in their campervan. For Fick, that’s the real point of coast FI.

The amount needed to reach Coast FI depends on factors including someone's age, desired retirement lifestyle, spending needs and assumptions about investment returns

The amount needed to reach Coast FI depends on factors including someone’s age, desired retirement lifestyle, spending needs and assumptions about investment returns

‘It isn’t just about reaching a financial milestone,’ she told us. ‘It’s about creating a life you don’t want to retire from.’

Fick believes younger workers should focus not only on calculating how much they need for retirement, but also consider what they want their lives to look like before they stop working.

‘What kind of life do I want? What does success actually look like to me? If money weren’t the deciding factor, how would I want to spend my time?’ she said.

There’s no need to wait until hitting your coast FI number to start making changes. 

Fick suggests experimenting with smaller lifestyle changes, such as reducing working hours, trying freelancing, taking up a new hobby, volunteering or simply making more time for family and friends.

She also does not believe everyone needs to stop investing once they reach coast FI. For some people, the milestone may simply mean reducing their contributions rather than stopping them altogether.

The concept has gained wider attention as younger Americans grapple with high living costs, an uncertain job market and growing doubts about what traditional retirement will look like.

Coast FI is frequently discussed alongside FIRE, which has traditionally focused on saving aggressively enough to leave the workforce decades before the usual retirement age. But Fick feels that coast FI is less all-or-nothing.

‘You don’t have to wait until you’ve reached coast FI to start moving in that direction,’ she said.

‘No matter where you are on your financial journey, you can begin taking small steps and running little experiments to learn what brings you energy and fulfillment.’

For Fick, the journey began with burnout and an unexpected career detour. What initially felt like a professional crisis ultimately gave her the opportunity to reconsider what she wanted from work and money.

Her hope now is that other people will realize they may have more choices than they think.

‘My goal isn’t just to help people reach Coast FI,’ she said. ‘It’s to help them use money as a tool to intentionally create lives that reflect their values.’

And that, she argues, may be the biggest attraction of all.

Pastor and Father of Five Dies After Cruise Ship Pool Injury

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A Minnesota pastor and father of five has died after suffering a catastrophic spinal injury in a swimming pool aboard a cruise ship.

Stephen Duane Junker, 58, was on a Princess Cruises voyage off the coast of Italy to celebrate his son’s wedding when the tragedy unfolded.

According to a family GoFundMe page, Junker was discovered “face down and unresponsive” at the bottom of the Sun Princess’ pool on August 16.

He was pulled from the water and transported by the Italian coast guard to a hospital in Naples. The circumstances of how he ended up in the pool remain unclear.

Doctors found severe compression on his spinal cord, prompting emergency spinal surgery, and Junker was later placed on a ventilator.

After a long battle in hospital, which initially showed some promising signs, Junker died on September 4.

The fundraisers said that he ‘went to be with Jesus’ surrounded by his family and friends on Friday after ‘further diagnostic testing had revealed injuries that were not treatable.’

Junker, a pastor at Chippewa Lutheran Church in Brandon, is being mourned by his wife Jeanine, alongside their children, his grandson and wider family.

Pastor Stephen Duane Junker, 58, was celebrating his son's wedding aboard a cruise ship when he fell into the vessel's swimming pool and sustained a spinal injury which ultimately killed him

Pastor Stephen Duane Junker, 58, was celebrating his son’s wedding aboard a cruise ship when he fell into the vessel’s swimming pool and sustained a spinal injury which ultimately killed him

Junker suffered a cervical spinal cord injury on board the Sun Princess

Junker suffered a cervical spinal cord injury on board the Sun Princess

Junker, a pastor at Chippewa Lutheran Church in Brandon, was described as a 'devoted husband' to the 'love of his life,' Jeanine Junker, 54, and a 'loving father to his five children'

Junker, a pastor at Chippewa Lutheran Church in Brandon, was described as a ‘devoted husband’ to the ‘love of his life,’ Jeanine Junker, 54, and a ‘loving father to his five children’

His death comes weeks after Junker underwent emergency surgery on his back.

Despite the operation’s success, the pastor was diagnosed as quadriplegic and was left unable to breathe on his own.

Junker returned home to Rochester, Minnesota, on August 23, where doctors began imaging and testing, the fundraiser created by his daughter Elizabeth said.

Days later, their father remained on a ventilator but was ‘more awake’ and ‘very much here with us.’

‘He’s able to respond to yes or no questions by nodding his head, and communicate through his facial expressions, which has meant so much to all of us. He denies any pain,’ the fundraiser said.

‘His kids have been able to come and say how much he means to them, and he has had some close friends come visit, so there is no doubt in his mind he is loved,’ his daughter wrote. 

‘Nathaniel was able to come sing a song for him today while he was sitting up in bed, which I know meant the world to him.’ 

At the time, Junker still had no feeling below his chest but his family were ‘grateful’ he was awake.

Junker was taken to hospital in Naples by the Italian coast guard after he was pulled out of the pool

Junker was taken to hospital in Naples by the Italian coast guard after he was pulled out of the pool 

After a long battle in hospital, Junker 'went to be with Jesus' on September 4 surrounded by his family and friends on Friday after 'further diagnostic testing had revealed injuries that were not treatable'

After a long battle in hospital, Junker ‘went to be with Jesus’ on September 4 surrounded by his family and friends on Friday after ‘further diagnostic testing had revealed injuries that were not treatable’

Doctors discovered that the father-of-five had severe compression on his spinal cord at the C3-C4 level of his neck and he underwent emergency spinal surgery on August 17

Doctors discovered that the father-of-five had severe compression on his spinal cord at the C3-C4 level of his neck and he underwent emergency spinal surgery on August 17

‘As you can imagine, this is an insane situation to navigate, both for the family and for my dad. We are leaning on scripture and prayer to guide us,’ Elizabeth said. 

Within a matter of days, however, Stephen passed away ‘surrounded by his wife, children, parents and friends.’ 

‘We’re grateful to everyone at Mayo Clinic for their excellent care and to everyone who donated to help support Steve and the family. We’re glad we were able to give him the opportunity to receive world-class care and reassured that everything that could possibly be done to help him was done,’ Elizabeth said.  

Knowing that Steve is loved by so many people who love him means more to our family than we can put into words.’

The pastor was described as a ‘devoted husband’ to the ‘love of his life’ Jeanine Junker, 54, and a ‘loving father to his five children.’

‘Above all, Steve loved his family,’ his obituary said. ‘Steve faced life and death with a quiet and unshakable faith, never afraid of what was to come. Even in his final moments, his thoughts turned to the church and the people he loved.’ 

Junker began his career as a pharmacist after graduating from Creighton University in Nebraska and ‘dedicated himself to the care of others through medicine.’

He answered a ‘deeper calling’ and attended The Lutheran Brethren Seminary in Fergus Falls, Minnesota, where he earned his Master of Divinity and became an ordained minister.

'Steve faced life, and death, with a quiet and unshakable faith, never afraid of what was to come. Even in his final moments, his thoughts turned to the church and the people he loved,' his obituary said

‘Steve faced life, and death, with a quiet and unshakable faith, never afraid of what was to come. Even in his final moments, his thoughts turned to the church and the people he loved,’ his obituary said

Junker attended The Lutheran Brethren Seminary in Fergus Falls, Minnesota, where he earned his Master of Divinity and became an ordained minister

Junker attended The Lutheran Brethren Seminary in Fergus Falls, Minnesota, where he earned his Master of Divinity and became an ordained minister

‘For nearly a decade, he served the congregation and community at Chippewa Lutheran Church in Brandon, Minnesota, with devotion,’ his obituary said.

‘Being a minister was among the greatest joys and honors of his life. He was known for his animated sermons, his love of a good conversation on nearly any subject, and his readiness to help anyone in need, whether that meant offering counsel or simply producing the right tool for the job from his ever-prepared pockets.’ 

The Chippewa Lutheran Church wrote on Facebook: ‘Mourning the loss of a Pastor for our church family is very difficult to understand. Pastor Steve was a wonderful person, loved by many, and had a great impact on many people through his faith.’

‘Nathaniel Junker has said it best when he sang his worship songs as Pastor Steve was welcomed into Heaven, “He closed his eyes to this life and opened his eyes to Jesus.” What more does anyone want!’

Debi Junker Gregory wrote in his obituary that Stephen would ‘always be my special little cousin since we share the same birthdate.’

‘I remember so many fun times with him growing up. Riding the turtle at Como Park. Him helping me drag a life-size frog through the mall. Playing frisbee baseball in the front yard of his house. Praying for the family at this difficult time. Love,’ she wrote. 

Vicki Storm, a community member, said: ‘Pastor was there with my family as my husband was dying. It was a very special moment as Pastor prayed over Paul when his time was near and as he entered into the glorious arms of Jesus. 

‘I can’t think of anything more special than that moment with Pastor Steve’s quiet prayer of comfort, faith and joy for Paul. God bless Pastor Steve’s memory. He will be dearly missed.’

The Daily Mail reached out to the Chippewa Lutheran Church, Princess Cruises, the Italian Coast Guard and attempted to reach Junker’s family for comment. 

TSA Restores Gate Access for Select Non-Ticketed Travelers in Pre-9/11 Policy Revival

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The Transportation Security Administration has introduced a new program that lets eligible TSA PreCheck members who are not traveling pass through airport security at select US airports, giving them access to secure gate areas to welcome arriving passengers or say farewell to departing family and friends.

Through the program, approved TSA PreCheck members without airline tickets may clear security and enter concourses and gate areas, restoring a type of airport access that was sharply curtailed after the Sept. 11, 2001, terrorist attacks prompted sweeping changes to airport security.

The initiative could revive the gate-side goodbyes and emotional reunions that were once a familiar part of flying before 9/11. It also gives visitors a way to meet someone during a layover or spend time at airport restaurants and shops beyond the checkpoint.

Since 9/11, access past airport security checkpoints has generally been reserved for ticketed passengers, though airlines have been able to provide gate passes in limited situations.

“As an exclusive benefit for our most trusted travelers, this new program makes it easier to return to the gate for welcomes and send-offs, meet friends during a layover, and enjoy dining and shopping along the way, bringing back the moments that once defined air travel,” the TSA said on its website.

The program, Gateside by TSA PreCheck, is free, but members interested in a guest pass must apply online at least one day and no more than three days before their planned visits and receive approval before showing up at the airport.

If approved, guests can enter security using a TSA PreCheck lane with an acceptable form of identification.

Visitors who do not have an acceptable form of identification can use TSA ConfirmID to attempt to verify their identity for a $45 fee. TSA does not guarantee that it will be able to verify their identity.

The passes are valid for only one calendar day, although reentries are permitted for that day.

Children can also go through security but must be included on their parent or guardian’s application.

The TSA said members of other trusted-traveler programs who have a Known Traveler Number may also apply for access to the gates.

The initial rollout applies to 13 airports, including Los Angeles International Airport, San Diego International Airport, Dallas-Fort Worth International Airport, Salt Lake City International Airport and Harry Reid International Airport in Las Vegas.

The other participating airports are Phoenix-Mesa Gateway Airport, John Glenn Columbus International Airport, Detroit Metropolitan Wayne County Airport, Wichita Dwight D. Eisenhower National Airport, Indianapolis International Airport, Bill and Hillary Clinton National Airport, Will Rogers International Airport and Eppley Airfield.

But the agency said it plans to expand the program to additional airports in the coming months.

This comes as 21 airports across the country have adopted policies allowing non-ticketed visitors to receive a guest pass to move through airport security and into the terminal at no charge, with Pittsburgh International Airport being the first major US airport to enact such a policy in 2017.

Spain Opposition Calls PM Sánchez Traitor in Ceuta Migrant Crisis

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A leading figure in Spain’s opposition sharply attacked the country’s Socialist prime minister, accusing him of betraying Spain over the government’s response to a surge of migrants entering a North African enclave.

Santiago Abascal, who heads the right-wing Vox party, made the remarks during a session of parliament, questioning whether Prime Minister Pedro Sánchez was facing pressure or blackmail from Morocco as tensions mounted over the migrant crisis in Ceuta.

In the confrontation, Abascal denounced Sánchez as a “traitor” and also referred to him as “a dog.”

Santiago Abascal and Pepa Millan seated during a plenary session in the Congress of Deputies in Madrid.

Vox leader Santiago Abascal and parliamentary spokesperson Pepa Millan are seen during a plenary session at the Congress of Deputies in Madrid on Wednesday. Abascal displayed letters spelling out “traidor,” the Spanish word for traitor, while directing his criticism at Prime Minister Pedro Sánchez. (Europa Press via Getty Images)

Sánchez fired back during the tense exchange, responding: “I may be a dog, but I have no master.”

Abascal then held up sheets of paper one by one that spelled out “Traidor,” Spanish for “Traitor.” Sánchez then sat down.

Spain has seen major protests in response to the migrant arrivals in Ceuta, with critics blaming Sánchez for the crisis and some accusing him of pandering to Morocco.

King Willem-Alexander Of The Netherlands And Queen Maxima Invite Heads Of State And Government To A Dinner During The NATO Summit

Sánchez hit back at Abascal, saying, “I may be a dog, but I have no master.” (Patrick van Katwijk/Getty Images)

More than 70,000 migrants poured into Ceuta in July. Most of them have returned to Morocco, but many remain in the enclave, with some living in tent encampments on the beach.

Meanwhile, Spain’s national intelligence agency issued multiple warnings before the mass crossing of migrants from Morocco into Ceuta in late July, according to declassified documents released by the government on Wednesday, The Associated Press reported.

On July 29, a day before people began crossing into Ceuta, the National Intelligence Center (CNI) sent an alert via WhatsApp to the Spanish government’s delegation in Ceuta about calls on social media “for an assault on the fence and by sea tomorrow at 8 p.m.”

“There are two different groups with a total of 180,000 followers,” the declassified WhatsApp message said, “just to give you an idea of its scale.”

Family Pay Tribute to Woman, 26, Killed After Taxi Crash

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The devastated relatives of a 26-year-old woman who died after being hit by a taxi have described her as a cherished young woman who was embracing life in the “city she loved.”

Isobel “Izzy” Reyland was struck by a white Toyota Voxy private hire taxi on Aigburth Road in Liverpool at about 5.40pm last Wednesday.

The 26-year-old, originally from south Wales, was taken to hospital after the crash but sadly died from her injuries a short time later.

A week on from the fatal collision, Izzy’s family have shared an emotional tribute to the young woman, who had relocated to Liverpool to build the career she wanted and chase her ambitions.

In a deeply moving statement, they said: “Izzy was a loving and dearly loved daughter, sister, aunty, granddaughter, niece, cousin and sister-in-law, taken from us in the most tragic way far too soon. She will be missed more than words can ever express, always.

‘She was a beautiful, caring, funny and loving young lady who was following her dreams and her chosen career in a city she loved and living her life to the fullest.

‘We are totally devastated and utterly heartbroken as a family at the loss of our darling Izzy. Izzy – you will always be with us and our deepest love for you is everlasting.’

The fatal crash happened on the city-bound carriageway of Aigburth Road, close to Fulwood Road.

Isobel 'Izzy' Reyland died after being hit by a white Toyota Voxy private hire taxi on Aigburth Road at around 5.40pm last Wednesday

Isobel ‘Izzy’ Reyland died after being hit by a white Toyota Voxy private hire taxi on Aigburth Road at around 5.40pm last Wednesday

The 26-year-old, who was from south Wales, was rushed to hospital following the collision but died from her injuries shortly afterwards

The 26-year-old, who was from south Wales, was rushed to hospital following the collision but died from her injuries shortly afterwards

In the immediate aftermath, members of the public reportedly rushed to Izzy’s aid, with witnesses saying people performed CPR before emergency services arrived.

The taxi driver, a 41-year-old man, remained at the scene and was arrested on suspicion of causing death by careless or inconsiderate driving while under the influence of drugs.

He has since been released under investigation.

Merseyside Police detectives are continuing to investigate the circumstances surrounding the collision and have appealed for anyone who may have information to come forward.

Detective Sergeant Andy Roper, from the force’s Matrix serious collision investigation unit, said: ‘First and foremost my thoughts and those of my team remain with the woman’s family at this sad time. Road death causes devastation for all those involved and it is our absolute priority to get answers for her family.

‘An investigation has been launched to ascertain the circumstance of this collision and we are following up a number of lines of enquiry including speaking to potential witnesses and examining CCTV in the area.

‘Aigburth Road is a very busy road and we know at that time there would have been a large volume of vehicles including buses, taxis and delivery drivers, together with pedestrians, in the area.

In the immediate aftermath, members of the public reportedly rushed to Izzy's aid, with witnesses saying people performed CPR before emergency services arrived

In the immediate aftermath, members of the public reportedly rushed to Izzy’s aid, with witnesses saying people performed CPR before emergency services arrived

‘I would urge anyone who may have witnessed the incident or was travelling in the area at the time with a dashcam fitted to their vehicle to make contact with our team so that we can check if it has captured anything which may provide answers surrounding this collision.

‘Also, if you live in the area and have a CCTV system or Ring doorbell, I would be grateful if you could check your footage to see if you captured anything.’

A police spokesperson said: ‘Anyone with information on the incident should contact Merseyside Police serious collision investigation unit on 0151 777 5747 quoting incident reference 26000720150.

‘Alternatively, contact the independent charity Crimestoppers anonymously on 0800 555 111, or via their website here: In an emergency always call 999.’

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