This document discusses how employee financial wellness affects both employees and employers. It notes that 28% of employees are seriously financially distressed while another 44% live with constant financial pressure. Financially unwell employees are more passive, anxious, and confused at work, leading to issues like increased absenteeism, demands for salary advances, and higher insurance premiums for employers. However, financial literacy education can help employees be more motivated, aware, and confident, reducing employer costs and improving productivity and retention. The document promotes the services of Financial Counselling Ltd to provide such education through live and online training since 1999.