This document summarizes and promotes the Financial Peace Workplace Edition program. It explains that the program, featuring Dave Ramsey, provides financial education to employees to improve their financial well-being and job performance. This leads to savings for companies in areas like turnover, absenteeism, healthcare costs, and job performance. The document estimates that on average, for every dollar invested in the program, a company would save $X annually due to the positive impact on employees. It encourages companies to offer the program to change their workplace culture for the better and help both employees and the business succeed financially.

1. Your team’s financial stability is priceless.
You already know the value of offering your team healthcare and
other benefits. Now it’s time to add financial education to the mix.
This report explains why Financial Peace Workplace Edition offers
you the best return.
What is Financial Peace Workplace Edition?
Dave Ramsey’s Financial Peace Workplace Edition is an
entertaining, fast-paced, personal finance education course
featuring money expert Dave Ramsey. It is designed to improve
your team’s job performance—saving you thousands of dollars in
retention, absenteeism and healthcare.
Turnover Cost: $XXXX
Job Performance: $XXXX
Healthcare Costs: $XXXX
Absenteeism: $XXXX
Total: $XXXX
Your Return On
Investment: $XXXX
Your Results:
Total Team Savings:
$5,987! To learn more about FPW, visit daveramsey.com/fpw

2. Nobody wins with financial stress.
*Developed by Workplace Financial Stress Expert Dr. Tom Garman to determine a projected return on
investment (ROI) and to identify your team’s level of financial well-being and need for financial education.
Getting Started: No matter your company size—
your business’ success depends on your team’s success.
48% of team members admit money stress negatively affects their
productivity. In fact, it’s the #1 cause of stress in the workplace.
Stressed team members can waste up to 20 company hours a month
dealing with personal finances.
They are 2.6 times more likely to have five or more unscheduled
absences, costing companies on average $660 per employee each year.
What can you do to help your business succeed?
The ROI Calculator* ­— part of Dave Ramsey’s Financial Peace
Workplace Edition — provides you the answers for where to start.
70% live paycheck
to paycheck.
50% don’t have a budget.
40% live beyond
their means.
Facts About Your Team

3. Return On Investment
Keep in mind: Your results are based on the total of these
factors and are conservative estimates. Improvements like lower
healthcare costs, fewer absences and less work time wasted are
included—making your results even more impactful!
A variety of factors affect your ROI results. Here we take a look
at your company’s top two ROI areas: turnover rate and job
performance.
“Research has shown that even a small increase in an
employee’s financial security can add significantly to
an employer’s bottom line.”
— Dr. Susan Jenkins
Idaho State University
The ROI Calculator
quantifies:
Projected one-year impact
Projected benefit/cost ratio
Value of each key outcome

4. In a survey by Workplace
Options, 57% of team
members said they
would take advantage
of a financial literacy
course if their
employers offered it.
Total Team Savings:
$5,987!
Turnover
Turnover costs alone add hundreds of thousands of dollars to your expenses. Not only can
FPW improve retention by decreasing turnover, it will also save you $XXX per year!
This figure reflects a reduction in the number of team members who otherwise would
have left your company. The turnover cost savings is based on the percentage of seriously
financially distressed team members for whom the program has a substantial impact to
prevent them from leaving.
Job Performance
With FPW you can expect hundreds of dollars in positive job outcomes from each team
member who slightly enhances their financial behaviors and well-being. If XXX team
members participate, you can save XXX in one year!
This figure represents the value to your company based on an increased level of
productivity. Calculations vary according to each team member’s financial wellness as
well as the number who are positively impacted by the financial education program. It
assumes an annual salary and benefits package totaling $XXX.
Overall ROI:For every team member that completes
the program, you would save $X per every dollar invested annually.

5. See The Difference:
Better financial decisions and
overall financial well-being
Greater job satisfaction,
resulting in lower turnover
Fewer absences, resulting in
improved productivity
More likely to participate in
a qualified benefit plan
Everybody wins with financial peace.
Your Team Wins
For over 15 years this program has helped more than 750,000 families
connect the dots between life and work. Entire families are seeing a
dramatic reduction in the amount of tension in their homes.
Your Business Wins
Companies find that using this program has helped boost morale, which
has made it easier for them to recruit and retain team members. Plus,
team members who have learned through this program how to win with
their money tend to retire on time, preventing a loss of productivity later.
Imagine...
• Priceless improvements in team morale, community
service and company image
• Changed lives, saved marriages and happier homes
• Your business reaching its full potential

6. For more information, visit
daveramsey.com/fpw or call 800.754.4220
On average families
save $2,700 and
pay off $5,300 in
debt in just 91 days.
That’s an $8,000
turnaround!
Change Your Workplace Culture.
Financial Peace Workplace Edition is a crucial element to your
business’ training or benefits program. By improving financial
wellness and learning how to win with money, you and your team
will enjoy greater success in the workplace.
FPW features 12 comprehensive DVD lessons in which Dave explains
how money really works in a simple, easy-to-understand style.
It also includes group discussion questions and exercises. Your
team will actually have fun as they learn about saving, budgeting,
investing, insurance and more!
Give your team Dave Ramsey’s Financial Peace Workplace Edition.
It will have a lasting, positive impact on their lives and yours.

7. Dave Ramsey, host of the nationally syndicated radio talk show The Dave Ramsey
Show, is the author of the New York Times best-sellers Financial Peace, More Than
Enough and The Total Money Makeover. He is also the host of The Dave Ramsey Show
on the Fox Business Network. Dave knows what it’s like to have it all and lose it all.
By age twenty-six, he had established a $4 million real estate portfolio, only to lose
it by age thirty. He has since rebuilt his financial life and teaches millions of people
how to successfully manage their money. He and his wife, Sharon, reside in Nashville,
Tennessee with their children, Denise, Rachel and Daniel.
800.754.4220 • daveramsey.com/fpw