Why not approach employee education meetings in a new way? By reframing. Here's what I mean.

Looking back, if you were like most school kids, you didn't like eating peas. Countless lunch trays at school were returned with the peas remaining in their assigned slot. Then you read a story in class. It was about a boy – the usual kind of troublemaker – who decided to eat his peas, not with a fork, but with a knife. Soon he was the star of the school lunchroom. The next day at school, you and your friends were eating peas – using disposable plastic butter knives. Very few trays were returned that day with peas remaining on them.

This is reframing at its best. This is how 401(k) plan sponsors should think about as they seek to re-tune their stale education programs (see "A New Way to Prepare Employees for Retirement Plays to 401k Plan Sponsors' Strengths," FiduciaryNews.com, September 24, 2019).

Of course, they don't have to risk knife wounds to get people to eat their financial education. They have a better option. They can think inside the box.

We all hear about thinking outside the box. Such a philosophy implies an explosion of innovative creativity that allows the idea creator to bound above the competition.

This is the opposite of that. This isn't a hyperspace jump. It is a subatomic quantum leap. It may seem small, but it packs a powerful punch.

The trouble with employee education is that is designed like a school room. Everyone sits in a neatly apportioned array of desks. They're all looking at the teacher in the front of the class. They're all expected to either take notes or otherwise absorb the lesson in front of them.

And they're all bored to tears.

Now, imagine if, instead of going retro with these classes, we take a look at what people do during spare office moments. They're on their phones. Maybe playing Candy Crush (is that still a thing?). Maybe answering a group text. Maybe catching up and responding to the latest Twitter thread.

They're not acting in solitude. (OK, maybe they are physically isolated, but they're in a virtual crowd.)

They're engaged. They're thinking. They're moving whatever ball they're playing with slowly forward. Baby steps. Quantum leaps.

Rather than think outside the box and look how other environments might tackle the intricacies of financial literacy, maybe it's time to think inside the box. Observe the behavioral patterns that inspire the employees. It doesn't have to be work-related (but it might be). Consider ways to lasso that enthusiasm to bring it into the retirement saving discussion.

What if, instead of bringing everyone into the same room, you bring them into the same time. That means, at the appointed hour, everyone logs into the same app – the same game. This game requires social interaction. They may be physically isolated, but they're in virtual crowd.

But this game has a purpose. A subtle purpose. It's a sly wisp of a thought, not a blunt hammer of procedure.

Still, as indirect as it might be, it gets the idea across. And that's what counts.

Remember playing Monopoly? What do you think it taught you? How to manage real estate? How to run a business? How to trade in a competitive environment?Sure, those are all outside the box possibilities.

Chances are, however, you never suspected the inside-the-box lesson you really learned: You learned to love money. And how to add and subtract.

For the bulk of those playing the game as youngsters, both of these lessons had much broader applicability than any of those outside-the-box concepts.

Why not approach employee education meetings the same way?

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Time to think inside the box – Carosa

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