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It’s hard to see our own blind spots, and easy to be overconfident about our financial stability. But when it comes to your employees, a lack of personal financial resilience can have ramifications in the workplace when reality sets in.

For example, consultancy firm Gallup’s “State of the Global Workplace 2021 Report” found that 56% of US employees reported themselves as thriving. Yet a 2020 report from the Federal Reserve Board found that 25% of adults have no retirement savings whatsoever—and, in 2019, three in 10 didn’t have enough saved to cover three months of expenses.

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