Three significant studies show employers are losing money every day through:

· Worker distraction

· Lost productivity

· Increased turnover and onboarding costs

Financial Education "Wellness" Programs are missing the mark.

1. Current courses, if any, are often long-winded in the age of "give it to me now.

2. Frequently the classes are cartoonish with "Saver Bill" or "Spender Mary."

3. Excerpts of other programs cobbled together to appear meaty but lack real value.

4. Programs fail to reach people where they are. (Today, over 50% of workers can't come up with $500 for an emergency, and an unexpected expense of $1000 would cripple most people's financial plans.

5. Poor course design and follow-through. Many courses look nice as packages but lack follow-through and ongoing support.

6. Feeling hopeless as many courses deepen despair as learning to save $1000 seems like scaling Mount Everest.