The document discusses financial wellbeing and retirement savings. It notes that financial worry costs employers over $500 million annually. It introduces two 56-year-old employees, Jim and John, who have worked for 37 years. The document discusses research finding that employees do want to save for retirement but some groups are more difficult to engage. It provides examples of what organizations can do to help employees save, such as using nudges to encourage small changes, highlighting the real cost of saving, encouraging employee interaction, making retirement personal, and helping employees visualize their future.