When thinking about how to improve your saving and spending habits, it is common to devise an overly restrictive and impractical plan that you won’t likely stick with in the long term. Instead of swearing off shopping or restaurants for eternity—a strategy you’re bound to break before the end of the week—try these small changes…
When you’re in your 20s, and someone reminds you to start saving for retirement, mostly what you hear is, “blah blah blah.” You toss that bit of advice into your Words of Wisdom box, along with “eat your vegetables” and “go to the dentist twice a year,” and tell yourself you’ll worry about that later….
It’s tough to pin down the right amount of reserve cash you may need for the unexpected, for the sole reason that an emergency fund is used for just that—an unplanned event.
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IMPORTANT NOTICE
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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