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Lifestyle Creep: Are You Spending More as Your Income Grows?

Many people find that as their income increases, so does their spending. It can happen gradually, making it hard to pinpoint. With a recent survey showing that almost 50% of people who earn $100,000 or more annually live paycheck to paycheck,1 lifestyle creep could be a contributing factor. What is It? Lifestyle creep, or lifestyle…

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Planning for the Unexpected – 4 Questions to Ask about Emergency Savings

Life can be unpredictable with unplanned events arising when we least expect it. Whether it’s a layoff, vehicle or house repair or medical emergency, being prepared for the unexpected helps alleviate stress and unwanted debt. Building up an emergency fund over time provides that extra layer of comfort and protection. Here are 4 common questions…

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The Sandwich Generation: Caring for Children and Parents

Financially supporting children and aging parents at the same time can create many challenges. You may feel your budget is stretched thin by making sure you and your family are financially cared for. You are not alone: According to a Pew Research Center study, about 12% of Americans between the ages of 40 and 60…

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Developing (and Sticking to) a Realistic Monthly Budget

Do you have trouble keeping track of your monthly spending? You’re not alone. In fact, two-thirds of Americans don’t know how much they really spent last month.1 And while developing a personalized budget is important, having the self-discipline to stick to the plan is crucial to achieving long-term savings success. Fortunately, there are plenty of…

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You are now leaving the Jemma Investment Advisors, LLC Website and will be entering the Charles Schwab & Co., Inc. ("Schwab") Website. Schwab is a registered broker-dealer, and is not affiliated with Jemma Investment Advisors, LLC, or any advisor(s) whose name(s) appears on this Website. Jemma Investment Advisors, LLC is independently owned and operated. Schwab neither endorses nor recommends Jemma Investment Advisors, LLC. Regardless of any referral or recommendation, Schwab does not endorse or recommend the investment strategy of any advisor. Schwab has agreements with Jemma Investment Advisors, LLC under which Schwab provides Jemma Investment Advisors, LLC with services related to your account. Schwab does not review the Jemma Investment Advisors, LLC Website, and makes no representation regarding the content of the Website. The information contained in the Jemma Investment Advisors, LLC Website should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities.

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