Workers who are struggling financially benefit most from financialeducation and coaching, even without a global pandemic. A new report from Financial Finesse advises employersto focus their financial support on their most financially stressedemployees during the COVID-19 crisis, as the financial educationprovider sees a shift toward lower financial health levels in theworkforce.

Suffering, struggling, stabilizing, sustaining, secure

Financial Finesse divides workers into five levels of financialstability and gives each a financial wellness score range,determined by how they responded to the following:

• whether they have a handle on their cash flow
• have an emergency fund to handle unexpected expenses
• how comfortable they are with their debt level

In addition to the lowest levels of suffering and struggling,the categories range from stabilizing, to sustaining to secure.Those categorized as suffering have a financial wellness score of0-2, those who are struggling have a score of 3-4, and so on up thescale.