4 Workplace Financial Wellness Topics Every Employer Should Know
Financial Stress Does Not Stay at Home
Financial stress walks through the front door every morning at your workplace and it doesn’t take a coffee break.
Whether it's a team member silently worrying about mounting credit card debt or another scrolling through listings after her rent just went up (again), money challenges show up at work. And they cost more than just peace of mind. Financial stress is directly linked to:
Lower productivity
Increased absenteeism
Higher turnover
Quiet quitting and disengagement
If your organization is seeing burnout, low morale, or rising turnover, unaddressed financial stress may be a hidden root cause.
The good news? There's something you can do about it.
At Achieve Credit Union, we believe that supporting employee financial literacy isn’t just a personal benefit. It’s a business advantage. When your people feel financially confident, your organization becomes stronger, more stable, and more engaged.
Here are four financial topics every employer should promote—and why they matter at work.
1. Budgeting: Every Dollar Has a Job 💸
Let’s face it: budgeting isn’t everyone’s favorite topic, but it’s one of the most empowering skills a person can develop. When employees know how to create a simple spending plan, they gain a greater sense of control and confidence.
We recommend starting simple with the 50/30/20 Rule:
50% for needs
30% for wants
20% for savings and debt payoff
We also help break down the difference between wants and needs, and introduce the concept of giving every dollar a job. These tools help reduce paycheck-to-paycheck stress and promote long-term planning.
Why it matters at work:
Employees who aren’t panicking about bills or tempted to take payday loans are more present, productive, and proactive.
2. Fraud Prevention: Protecting Your Wallet—and Your Workplace 🔐
Scams. Phishing. Identity theft. Financial fraud is evolving, and no one is immune. Especially not employees with busy schedules and limited time to vet every email or link.
We teach practical steps to:
Spot and avoid scams
Safeguard personal information online and offline
Take swift action if identity theft occurs
Employees who practice good fraud prevention at home are more aware of cybersecurity and social engineering threats in the workplace, helping to protect your business, too.
Why it matters at work:
A single data breach or financial scam can cause significant business harm. Educated employees are your first line of defense.
3. Credit Basics: Understanding Credit, Debt, and Financial Flexibility 💳
Many employees don’t fully understand how credit works or how it affects their ability to rent, buy, borrow, or even get a job. That lack of knowledge often leads to fear, misuse, or avoidance.
We cover:
How credit cards and credit scores work
What credit history really means
Smart strategies for managing and reducing debt
We also demystify terms like APR, utilization, and minimum payments, making credit confidence accessible for everyone.
Why it matters at work:
Employees who manage debt wisely are less likely to experience a financial crisis and more likely to feel secure in their current role.
4. Renting vs. Home Ownership: The Biggest Financial Decision You'll Ever Make 🏡
Where you live is often your largest expense—and your biggest investment. But many employees are navigating housing decisions without the tools to weigh the real costs and benefits.
We help employees understand:
The true cost of renting vs. buying
How to prepare financially for home ownership
Mortgage basics, down payments, and saving strategies
When it doesn’t make sense to buy
Why it matters at work:
Employees who feel stable and confident in their housing situation bring that stability into the workplace. They’re less distracted, less stressed, and more grounded.
Financial Wellness Is Workplace Wellness 🧠
When employees feel empowered to make smart financial choices, everything changes:
✅ Stress goes down
✅ Engagement goes up
✅ Turnover slows
✅ Productivity improves
Achieve Credit Union is proud to offer financial literacy workshops tailored to the needs of your staff.
Whether it’s during a staff meeting or a lunch and learn, we’ll provide clear, approachable, and judgment-free guidance on the topics that matter most.
Let’s Build a Thriving Workplace Together
Ready to bring financial wellness to your team? We’d love to help.
👉 Reach out today to schedule an on-site workshop..
Your employees will thank you—and your bottom line will, too.
Take The Next Step.
Visit A BranchStop by your local branch, and we’ll be happy to help you!SEE LOCATIONS |
Talk With UsCall (440) 324-3400 to speak with our Member Services team.CALL US |
Become a MemberIt’s easy to join Achieve CU and open your account.JOIN US |
About the Author
Shannon Browne
Shannon Browne is the Vice President of Human Resources at Achieve Credit Union. With over 20 years of HR leadership experience, Shannon understands the day-to-day challenges businesses of every size face.
Fun Fact: Shannon believes jeans days are the best day of the work week!