Tools, apps, investment advice, or 401(k)s may do a lot of good—but only after employees have learned how to leave behind bad habits and replace them with positive behaviors around money. (Photo: Shutterstock)

HR professionals are always on the lookout for the best in employee benefits – more specifically, a robust well-being program for companies who truly want to help their teams get in better shape financially.

It’s no longer possible to ignore the ongoing personal finance crisis that’s affecting the lives of millions of American workers. Many employers already have a financial wellness program, and the number who do keeps rising. Despite those efforts, the average employee is still broke:

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