Rapid change has become an everyday part of life for Americans. Whether it is new and emerging technology, or the various shifts that happen in today’s interconnected world, people experience uncertainty everyday. According to a new report from the JPMorgan Chase Institute, this volatility extends to their finances, affecting both their income and spending, and often not in tandem. Households often experience a drop in income while also having a necessary increase in expenses, such as health care bills or a major car repair. And most households have not set aside enough money to weather these unexpected changes. The same report found that this is not just a low-income issue. Americans across the income spectrum are having difficulty managing their financial lives.