Want to Help Your Employees (and Your Bottom Line)? Help Them Get Out of Debt

We don't mean actually pay off their debt - that would be insane. People get themselves into debt and they need to get themselves out.

So let’s have a brutally honest HR moment: Debt is silently wrecking your workforce.

It’s the not-so-fun third wheel in performance reviews. The reason Carol from accounting hasn’t taken a vacation in 3 years. And probably why half the team looks like they’ve been stress-eating dry ramen between Zoom calls.

And yet, we’re still out here debating whether offering personal finance tools is “worth the investment.” Spoiler: It is.

Here's the Financial Reality Check

When employees are buried in debt, two things happen:

1. They can’t focus—because their brain is juggling minimum payments, overdue notices, and a credit score that’s crying in a corner.

2. Or they over focus—taking on extra hours, skipping breaks, and burning out like a sparkler on the Fourth of July.

Either way, the result is the same: stressed-out, overwhelmed employees who are one unplanned expense away from quitting in a blaze of emotional exhaustion. They ask for advances every paycheck, a raise every other month, more overtime hours than is healthy for any one person to work. Not healthy.

Enter: Financial Wellness Benefits

We’re not saying you need to play financial fairy godmother. But some personal finance tools, budget coaching, or even employer-sponsored savings programs? Yes, please.

You don’t have to fix everyone’s money problems—but you can stop pretending they aren’t affecting your company’s performance.

Healthier Wallets = Healthier Workforce

Employees who aren’t drowning in debt sleep better, focus more, and stay longer. Shocking, we know. So while kombucha on tap and mindfulness apps are nice, consider giving your people the tools to manage what’s actually keeping them up at night.

Invest in their financial well-being now, or replace them later when burnout drives them out the door.

Your choice.