Financial stress has beenproven to strain job performance and work attendance, and a lot ofemployees need help saving money, even though they might not askfor it.(Photo: Shutterstock)

Over the past couple of years, Americans have gotten worse atsaving money for their future. In fact, 40 percent of peoplewouldn't be able to afford a $400 emergency cost according to theFederal Reserve.

Financial stress that results from this lack of savings has beenproven to strain job performance and workattendance, so employers are (or should be) jumping at theopportunity to improve the financial wellness of their employeesbeyond just retirement.

What's keeping employees from investing in a 401(k)? (Hint:It's paying off debt)

To improve their financial health programs, companies mustunderstand where the bulk of an employee's paycheck goes in thefirst place.

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