If you’ve ever found yourself stressed about a lack of emergency savings, you’re not alone. Bankrate reports that nearly 60 percent of U.S. adults feel they don’t have enough in savings, and over 25 percent don’t have a savings at all.   Additionally, the Federal Reserve Division of Research & Analysis recently reported that over 77 […]

Considering mortgages, auto loans, credit cards, student loans, and personal loans, Americans surpassed $17 trillion in debt in 2024. But not all debts are created equal! Let’s look at how to pay off debt quickly, which debts to pay first, and the best ways to handle multiple credit accounts. Additionally, we will share creative ideas […]

‘Tis the season to be shopping! According to the National Retail Federation, Americans are expected to spend nearly $990 billion in November and December alone – an increase of 3.5 percent year-over-year.  While the average holiday shopper is estimated to spend over $2,100 this winter, Empeople members are uniquely positioned to save while they spend. […]