Companies increasingly realize that employee financial wellnessis crucial to their bottom lines, and to employees stressed overmoney—particularly as they approach retirement knowing theirsavings are falling far short.

A study at unearthed some of thereasons that people are doing so poorly at saving for the future:the timing and circumstances surrounding their education (if any)regarding personal finances.

The situation is serious. Financial stress takes a toll not juston employees but also on a company’s bottom line, via reducedproductivity, increased health issues with correspondingly higherhealth care costs and lost time at work.

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