this is "nightline." >> tonight, the breaking news out of philadelphia. an amtrak train with more than 200 people on board derails. killing at least five injuring several dozen. right now, the rescue efforts underway. the certainly for more victims and the search for answers tonight. plus lifestyles of the frugal and famous. tonight, he's sharing his simple and surprising advice for what he calls a better and smarter version of luxury. >> this is so cool. and virtual porn they say it's a quantum leap in a

multi-billion dollar business. inhabiting pornography through virtual reality. but what will it mean for those who believe they're addicted? the temptations may soon reach a whole new level. >> announcer: "nightline" will be right back.

good evening. and we begin here tonight with the breaking news. a fatal train derailment in the city of philadelphia. five people are dead. many others injured. at least six of them critically. you are looking at pictures now of the walking wounded. we also have a video of a rescue taking place. here it is. >> keep calling, okay? >> crawl forward, sir. come on, ma'am. >> a rescue on board that amtrak train that derailed tonight. this all happened in the port richmond area of philadelphia which is a scene of chaos and carnage tonight. from the air tonight, you can see the cars hurled onto their sides surrounded by a sea of flashlights searching for victims. on the ground, you can see the images of the wounded.

this is the aftermath of an amtrak train that overturned with more than 200 passengers on board on their way from washington d.c. to new york city. as of right now, five people have been confirmed dead. several others injured. some of them critically. the train derailed in the frankford section of philadelphia with seven cars overturning. still, most of the people were able to walk off the train themselves. >> it is an absolute mess. never seen anything like this in my life. the trains, seven cars including the engine are in various stages of disarray. turned over upside down on their side. we are still investigating what's going on. >> about 9:38 fire department personnel responded and encountered six overturned train. we immediately declared mass casualty event. >> i could see the train

shifting to the right. at first you think it's minor. suddenly the cars just got tossed. then the moment of chaos. the things all tumbling around you. an event like i mean everything had to stop and there was -- because our car had actually landed on the side. the bottom windows were in dirt. >> as many as four area hospitals have received injured passengers. that train was scheduled to arrive in new york city at 10:35 p.m. philadelphia's fire commissioner is calling the accident a mass casualty incident and the city's emergency operations center was activated. did you see people who were seriously injured? >> there were definitely people who had a lot of blood. there was a lot of stuff flying around. a lot of the seats came

dislodged. i think there were definitely people after i got off the train that were being carried away on stretchers. >> abc news learned the federal railroad administration is sending a team of investigators to the accident site though it would not confirm any other details about the accident. a former congressman, patrick murphy was a passenger on the train. >> we were going about 60, 70 miles per hour. and then, you know, something happened. it's at a bend here. it was a little surprising. >> as the former dockman kated, we don't know yet what caused this accident. you're looking at live aerials from the scene there in philadelphia. we can also tell you the ntsb will be sending a team. governor wolf has release add statement thanking the first

responders for their quick and brave action. we're going to have much more on this story throughout our show tonight and an abcnews.com throughout the evening and a rap up first thing in the morning. we do move on now to a very different story and it involves your money. you're about to meet a young man who retired at age 30. not because he made millions but because he cut back in some radical ways. he has now become a personal finance guru. >> flip on your tv day or night and chances are you'll find a financial guru telling you what to do with your money. from suzie orman to jim cramer. but the experts haven't done what this man did. retire at age 30. >> my coworkers were a little surprised. what do you mean retired?

you're going to take a month off. nope, we're done. >> his family completely debt-free. they live and live bell on about $25,000 a year. >> comfort is expensive. slight discomfort is cheap. >> get this, last year they only spent $71 on gas. all yearlong. their mortgage payment? zero. >> this was a complete fixer-upper. >> yeah. it was keep the floors, but rebuild everything else. >> what whatever you do don't call him cheap. >> i stopped thinking about it almost ten years ago. now we just do whatever we think would be the most fun. >> he preaches on his blog mr. money mustache. his followers all post on the site eager to achieve what he calls financial freedom through through -- >> they can go from a modest

struggling lifestyle to one with a lot of surplus. >> he and his wife spent their 20s as software engineers making about $134,000 together. but they wanted to make a change and start a family. >> it was more thinking about freedom. it would be nice to get through this and step back and focus on kids. >> by the age of 30 pete and his wife had quite the nest egg. >> at the time of retirement we had it split up with about 600,000 of investments and a house that was paid off. >> how did pete manage to succeed where so many of us fail? first, aim to save half of your take-home pay. >> the more you get saved up the less you need to protect yourself which means your savings grow even faster. >> he says don't buy in to the moving on up hype. >> in the smaller house, i'm happier than i've ever been in life. >> you're happier than you've

ever been in life. >> carl is one of pete's devoted followers. now thanks to him he's on the vernal of retirement. >> we had a house that was about 5,000 square feet. so, the first thing i said is we have to downsize it. >> for pete rngs it's a lesson worth sharing. >> not borrowing, i thought it was rare. >> helping you retire early? for starters forget financing that fancy car. his is ten years old. >> brand-new luxury 2005 xa. 40 mile per gallon wonder. >> pete keeps costs at home down by doing improvements himself. >> this is common assumption that if you fix up a kitchen it's always like $50,000. and it's not true. >> when it comes to fancy

coffee, he says until you are a millionaire, make your own. check this out. here i am getting my latte on the way to work. that's about $4.50 ever day. over a year $1,170. over a decade 11,700 dollars. >> it gets a lot worse. you could be investing that money f. you have a twice a day coffee habit, that's more like $25,000. >> what about that gym membership? >> now we're getting to the fancy outdoor gym. >> he reckons mine costs me $6,000 per decade. >> this is the weight room. >> that's all. that's all you need. you don't need special pedaling machines. >> none of this means you are a slave to the dollar. he splurges at an organic

grocery store. >> it's also not the corporate grocery store. three for a dollar. that's good. let's get three. >> he's frugal yet fabulous way of life. >> fancy cheeses? >> a luxury. >> has made pete a cult hero. >> healthy food, some luxuries. cheese and chocolate for just 50 bucks. >> not bad. >> from the checkout line to online, pete practices his philosophy. >> challenge yourself, become stronger become for efficient at everything you do. boric on your health, wealth and knowledge. a by product of that is you get a lot richer. >> it sounds like a life philosophy. >> you're definitely right. >> a richer life, lived on your own terms. in colorado.

up next here on "nightline," the worlds of virtual reality and porn are now colliding thanks to new technology. but for people already struck struggling with addiction, could the consequences here be dangerous? f men over 40 have some degree of erectile dysfunction. well, viagra helps guys with ed get and keep an erection. and you only take it when you need it. ask your doctor if your heart is healthy enough for sex. do not take viagra if you take nitrates for chest pain; it may cause an unsafe drop in blood pressure. side effects include headache, flushing, upset stomach and abnormal vision. to avoid long-term injury, seek immediate medical help for an erection lasting more than four hours. stop taking viagra and call your doctor right away if you experience a sudden decrease or loss in vision or hearing. ask your doctor about viagra.

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just when you thought the multi-billion dollar porn business couldn't get any bigger enter virtual reality. which promises to allow users to actually inhabit pornography. here's my nightly co-anchor. >> you are entering a virtual

world where people turn themselves into avatars, meet up, and have sex. it's the latest technology revolution ieds revolutionizeing the porn industry. but an upgraded video experience might mean unintended effects for those already hooked on porn. it is a $97 billion industry. like garren who says porn nearly destroyed his ten-year marriage. >> you go through this battle of wondering am i enough how will i ever be intimate again. >> just didn't go away. >> the desire for porn never went away for russell brand either. better known for his oversexed characters in movies. the former porn enthusiast now speaking out on the perils of porn. >> it reduces the sex to the kind of abstracted physical act.

>> when his habit became a need, he checked himself into rehab. >> it's not something i like. it's something i haven't been able to make a long-term commitment to not looking at. >> porn addiction is a hotly debated topic as many as 35% of americans claim to be afflicted and porn has played a role in half of all divorces in the u.s. but porn addiction is not recognized as a clinical condition. >> i definitely have seen clients that struggle with using porn levels that aren't really comfortable for them or their partner's unhappy. but again you know sex is something that's a natural drive. so it's like eating or sleeping. we can't be addicted to something that's always operating within us. >> porn can warp people's view of sexuality. >> porn is our best sex

educator, sadly. it can really set someone up for poor expectations. >> leaving them desperately unsatisfied. >> every once in a while you find a clip that's so good it's depressing. you think yourself why can't real [ bleep ] be like this. >> you find many, many different ways to hide what is going on. you're up late at night. you're just doing different things to distract. >> he kept his porn habit hidden from his family his four kids and wife. >> she traveled a lot. that gave me plenty of time to do what i did. i developed many methods to live that second life. >> after two years of hiding his secret he confessed. the shock took a heavy toll. >> suddenly i started doubting self-worth, am i beautiful, can i measure up to that. i can't.

this person's been living in your home and laying in the bed next to you and he's not the person -- he's not the person that you think that he is. >> and sex between them became nearly impossible. >> for me, it was the constant mental attack that was happening for me. is he thinking about all these images. does he desire to be there and i'm just the convenient choice because i'm physically here. >> new technology is taking things to a whole new level, where partners don't even have to be physically there to have sex. >> so we're going to be able to reduce the -- >> brian of other verse has developed virtual porn software that transports you to a 3d world. where you're not just watching porn you're in it. >> you can head over the gentleman's club and go on to give a pole dance. the girl is you know, right on your lap. she's moving. the experience is remarkably

real. >> in this w0r8d, you're represented by an avatar that's completely customized. they're created using motion capture technology of actual porn stars in the act. >> they get to become these porn stars with their partner or partners. in the case of the sex has gotten to be monotonous both partners could put on virtual reality and have a sexual experience brought to them courtesy of the most spectacularly talented performers. >> it can also be used against a relationship. again that happens when someone makes pornography their maybe sexual outlet. if you're in a committed relationship that leaves your partner without sex. >> to save their marriage, they began therapy. he vowed to never look at porn

again. >> am i actively in porn or looking at it or doing any of those, no. but the struggle of the triggers the anxiety, the stress those things are coming in everyday life. they never go away. >> it's not just men like him, it's also women. 17% of women are hooked on porn. >> i was probably watching pornography eight hours a day. >> it started when she was just a teenager. >> i was very much led a double life. school, being the perfect student. then i would go home and look myself in a room and just watch porn. >> watching she says quickly morphed into a full-blown need. >> i would get up and say i'm not going to do this today. i am not going to do it. it was almost like my feet led me into the computer room. >> she had a hard time seeking help in part because she believed the stereotype that only men had problems with

pornography. >> i did not know how to walk into a room and say hi, my name is jessica and i'm addicted to pornography. we talk about men doing it all the time. but there's nothing for me. >> while her goal is to an stain from porn all together, she says quote, she still uses two or three times a year which for her is quite an improvement. >> you get to the point where you feel like you have to -- it's a need like eating. these are my e-mails. >> she now runs a website where she gives advice to countless people caught in the cross hairs of a rapidly growing industry. >> i see who i am and not what i've done. not what i've been through or anything like that. i see me. jessica, today. >> in new york. >> thanks to juju and we will be right back. >> announcer: abc news "nightline" brought to you by microsoft cloud.

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and finally tonight, the latest on the breaking news. these are life aerials from the amtrak train crash in philadelphia. the city's mayor calling the scene a mess. five dead around 50 injured. what's the matter? mother's concernrned because peter is an unkempt lay-about who constantly disappoints us, that's all. he lost the lease on his comic book store, d now he just sells everything out of that apartment, and he never leaves. it was almost lunchtime and he was still in his green lantern pajamas. we had hoped that getting his own place might mean that peter would find a wife

and start a family. poor peter. i just wish he could be as happy as i am. maybe he just needs a little advice-- you know, man to man. that is a great idea. ray, maybe you could go over and... you know, talk to him. me? well-- about what? perhaps you could encourage him to get out therere and meet someone. yes, we all know how much he looks up to you. he's over there right now. you know, i would, but it's sunday, and i'm very busy with my...worship. but peter's running out of time. i'm afraid his manly charms are starting to fade. i'm sure the lord wouldn't mind if you were to m miss just one mass if you were to save one of his lost lambs.