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bakery factory workers Lower-wage workers haven’t benefited from the stock market or housing boom because they are unlikely to own either stocks or real estate. (Photo: Shutterstock)

When companies offer financial wellness programs to their employees, everyone benefits.

A review of financial wellness benefits by the Center for Social Development found that employer financial wellness programs improve productivity, employee engagement and commitment while reducing distraction and absenteeism. The organization also found that employees who use these programs learn from them, making positive financial behavior changes including saving more money and making more on-time payments.

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