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Gemma’s Gem

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Newsletter · By Gemma Serenity Gorokhoff · Official site

Indexed issues, last 90 days
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Sep 27, 2026
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Sep 27, 2026

Latest issues

  1. Issue · Sep 27, 2026

    The Price You Think You'd Pay (opens the original)

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    Ask someone who does not own life insurance why they have not bought any, and you will usually hear a version of the same answer.“It’s too expensive.”It is an honest answer. Household budgets are real, and nobody wants to commit to a monthly payment they cannot sustain. Declining something you cannot afford is a reasonable financial decision.But there is a problem hiding inside that answer.<a class="image-link image2 is-viewable-img" href="https://substackcdn.com/image/fetch/$s_!8F3O!,f_auto,q_a

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