There are proactive steps employers can take to address student loan issues, such as providing better information on loan forgiveness eligibility and creating incentives like matching contributions, according to MissionSquare.

By understanding the potential tax advantages of using an HSA, individuals can better prepare for health care costs in both the short and long term.

"The National Strategy for Financial Inclusion" report leans heavily on the Treasury working to implement SECURE 2.0 provisions, such as Saver's Match, emergency savings programs and auto-enrollment.