1. Financial concerns may be a personal matter
but they directly affect the workplace.
Research shows that 25 percent of employees
have financial problems severe enough to
have a negative impact on their productivity. A
financially stressed employee spends an
average of 20 hours per month of
work time on his or her personal financial
problems.

2. Stressed and distracted employees cost you money
every day Studies show that, on
average, $463.44 per month is wasted in
nonproductive time per employee because
of financial stress. There has always been a need
for personal financial literacy, but
with rapid fluctuations in the economy, changes in
the financial services industry and
shifts in employee benefit programs, employees
are more vunerable to severe
financial challenges and stress than ever before.

3.  Up to 80 of financially stressed workers spend time at
their jobs dealing with or worrying about money issues
 One in four American workers are seriously distressed
about their personal financial situation
 Personal financial problems are the number one cause
of stress in the
workplace today
 Workers with money woes have worse health, spend
more time at work on the issue and also are absent
more frequently
 Workers with high stress levels are 2.6 times more
likely to be absent five or more days per year

4. Unlike financial advisors, who primarily focus on
advising their clients about specific financial
products they sell- like mutual funds or life
insurance -
Money Mastery teaches a proven personal
financial literacy program that is based on 10
Principles that allow people to get in immediate
control of their spending, debt, savings, and
taxation. It is the only comprehensive financial
management system in the industry today that
helps individuals and families effectively
manage every aspect of their financial lives.

5. Research clearly shows that a well-executed workplace
financial
education program benefits employers in several ways:
 Increase employee productivity
 Reduce absenteeism
 Decrease direct employer costs related to wage
garnishments, bankruptcies, payroll deductions for child
support and alimony, and administrative costs for
borrowing against retirement plans
 Increase contributions to the company 401(k) program
 Increase employees' loyalty to the company
 Reduce employee stress-related illnesses and mental
disorders

6. Employees who participate in workplace
financial education programs have the
opportunity to:
 Change behaviors that negatively affect job
performance
 Build assets and reduce debt
 Gain appreciation for and participate at a higher
level in employer- provided benefits
 Increase their ability to retire early or on time

7. Money Mastery provides a variety of workplace
personal financial education training courses that are
proven to improve employee performance, morale,
loyalty and participation in employer-sponsored
Benefit programs. We offer a full range of structured
and custom programs that will fit your needs and
budget. Call us for program details, topics covered,
materials provided and pricing options.

8.  "Even a small increase in an
employees financial security can
add significantly  “For the employer, research studies
to an employer‘s bottom line." have shown that employees who are
- DI: Susan Jenkins, Idaho State financially healthy are more
University productive. They are absent less
 "Don't give employees a raise; often, spend less
instead, give them access to quality time at the workplace dealing with
financial financial crises, and earn higher job
information, education and advice. performance ratings."
Employers can expect $450 in - Governor Edward M. Gramlich,
positive job Financial Literacy and Education
outcomes from each employee who Commission, Washington, D.C.
slightly increases his or her financial
behaviors and financial well-being."
- Dr. E Tomas Garman, Professor
Emeritus, Virginia Tech University