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

HR professionals are always on the lookout for the best inemployee benefits – more specifically, a robustwell-being program for companies who truly wantto help their teams get in better shape financially.

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

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