I always try to keep in mind that my TB is where I get 95% of Gems I need to continue with my Building Program! I suggest you Develop a Building Program that uses the HMP that Constantly SuperPowers your TB 
and rest assured you CAN do it 100Gems at a time! Just use smaller Buildings and KEEP your L3s to get your Daily GoldCards/Wine 
That’s just my way, Have FUN!!! creating yours! 
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Look Below Danny for that Info 
TY everyone for posting your experience here, however, mine has not proven to be as fruitful as yours. I have been building my city for 2.5 years now, and the gem accumulation has been dry at best simular to the amount of rainfall in the arizona desert and my patience is as hot as the heat in the desert as well. I have purchased gems, subscribed vip, and even been mooching parties for 2.5 years now and only able to achieve a weak city that never pays any gems. My city consist of 4 tier 15 crystals, 5 tier 10 crystals, 10 tier 7 crystals and all the typical freebee buildings that come with vip rewards and rewards road gem building (tier 6 ) purchases for monument building to keep the city growing. And the Treasure Boxes dont ever pay anything but coins!!! Rarely do they ever pay party passes ( approx 1 out of 20), hardly never do they pay gems ( approx 1 out of 100) and the pay out is usually less than 300 gems more often less than 100. However the charms do come more often than the passes and gems ( approx 1 out of 10 ) . All I know is if CW dont start paying my account some massive gem payouts by the end of the month, I will cancel VIP and they will never get another penny from me again, forever !! Thats it I have had it!! I have been two yrs patient and nothing !! they are taking advantage of daily paying platform users and not rewarding us with any gems to enjoy the platform with. And when I read Jaimee post of only being here for a year and having all those gem payouts and tier 21 crystals and crown level 3 on top of it. Yeah I’m ticked!! Something is amiss. And by the way I have only made it to milestone 58 and never play a game without charms to offset losses and play max bet on solitair games mostly by the way…
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I use to use all my gems buying buildings to get my city larger, but then I tried buying more charms when at a party, then I’d seem to get gems thru the treasure boxes more often.
So if you’d spend about 50% of your just awarded gems at parties then my gem chances increased greatly.
I’ve played here for a few years now so sometimes I’d purposely attend a beer party where about everyone is a rookie and I’d buy a chopper or two and that would help them out a lot.
You gotta give to get.I know I appreciated it when I was just starting out and someone spent a lot of gems to buy big value charms.
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