Financial Consultant, Educator, Author and Coach

I help employers bring the gift of financial literacy to the workplace so they can help employees improve their financial wellbeing, be more productive and present while on the job, and reduce healthcare costs associated with financial stress.

Financial Consultant, Educator, Author and Coach

I help employers bring the gift of financial literacy to the workplace so they can help employees improve their financial wellbeing, be more productive and present while on the job, and reduce healthcare costs associated with financial stress.

Financial Consultant, Educator, Author and Coach

I help employers bring the gift of financial literacy to the workplace so they can help employees improve their financial wellbeing, be more productive and present while on the job, and reduce healthcare costs associated with financial stress.

The two biggest productivity losses for employers stem from employee financial and physical distress.

VALUE OF A FINANCIALLY HEALTHY WORKFORCE

Americans at all income levels live paycheck to paycheck, saving next to nothing and living under the constant strain of debt. Employees’ health and well being - physical, emotional and financial - directly impacts their performance on the job as well as the company’s bottom line. What’s driving employee financial stress, and what can companies do about it?

 

This video explains more about the need for offering financial literacy education at the workplace. Watch to learn more.

REAL LIFE STORIES

Most families have fixed expenses that they expect to pay each month, leaving little wiggle room in their budget for unexpected expenses. A financial shock, such as a car repair or a loss of income from fluctuating work hours or a pay cut, makes stretching those dollars even more difficult. This video highlights just a few American households who are at the center of this struggle to achieve and maintain financial security.

These stories are the reason why financial literacy can be such a critical step toward bridging the gap between financial disaster and financial security.

A financial wellness program at your workplace is the best way to reduce employee stress and cut healthcare costs.

To be financially well employees need:

  • KNOWLEDGE

    Employees need to learn basic financial literacy in order to make wise financial decisions.

  • SKILLS

    Employees need to develop skills around budgeting effectively, saving efficiently, and investing wisely.

  • HABITS

    Employees need to practice simple daily behaviors like sticking to a spending plan, cutting costs, and improving money mentalities and mindsets.

  • RESOURCES

    Employees need access to resources that can support financial needs and healthy behaviors.

A well-designed program should be:

  • COMPREHENSIVE

    Provide guidance and support in all areas of personal finance: education, debt management, saving, & investing.

  • PERSONALIZED

    Program is built around the individual needs and wants of each employee.

  • INTEGRATED

    Help employees understand how other employer-sponsored benefits contribute to their financial wellbeing.

  • USER-CENTRIC

    Offer programs that are fun, interesting and simple to engage in so that employees can learn and easily apply healthy financial behaviors.

    EMPLOYEE FINANCIAL STRESS & YOUR BOTTOM LINE: 

    Testimonials

    What an amazing presentation that Michelle provided to our employees. She was able to keep them engaged throughout the workshop and I know that everyone in the workshop learned something new!

    ~ Ashley Sells, Business Administrator

    Michelle was excellent! She related to the common person, didn't speak over our heads and provided great examples. Very warm and compassionate in the presentation.

    ~ Barbara Moore, HR Manager

    This was a great introduction to Financial Wellness. It touched on all major bases and now our team can't wait to dig into other subjects! Michelle helped our team understand a few things we had never heard about before, like freezing your credit and working with a fee only adviser. 

    ~ Brittney Braganza, HR

    THE EFFECTS OF FINANCIAL DISTRESS

    Money struggles are universal: the wealthy worry about keeping up the pace of their lifestyle; while the poor are constantly concerned about scraping together enough to just get by. 

    When people are dealing with significant debt, they're much more likely to have associated health problems: 

    • Headaches​

    • High blood pressure

    • Ulcers

    • Depression

    • Moderate to severe anxiety

    What people do with their money is still their business. But employers and community leaders can benefit greatly by helping them manage and stretch their paychecks. 

     

    It doesn't matter how much a person earns - if they don't know how to effectively manage that money, they will experience financial distress.

    ​​

    Are you seeing any of these signs of employee financial distress?

    • Wage garnishments

    • Requests for payday loans

    • Increased on-the-job accidents

    • Overtime abuse

    • Longer work breaks or need to make phone calls

    • Disability or Workers Comp claim increases

    • An increase in stress or anxiety-related medical or prescription claims

    • Unexplained outbursts while at work​

    ​If so, then financial distress may be the culprit, robbing your organization of valuable productivity time, not to mention, employee morale!


      THE ROI OF FINANCIAL LITERACY

      46% of workers spend 3 or more hours per week thinking about their finances while on the job, which equates to an average of $5,000 per employee in lost productivity! On the other hand, employers can expect a return on their investment in financial education:

      • Reduced absenteeism & higher productivity

        (average impact of $7,000 per employee per year)

      • Lower employee turnover

        ($8,000 per replaced employee)

      • Reduced workplace accidents

        ($29,000 average savings per accident)

      © Copyrights Shake Your Money Tree, LLC. All Rights Reserved.

      THE EFFECTS OF FINANCIAL DISTRESS

      Money struggles are universal: the wealthy worry about keeping up the pace of their lifestyle; while the poor are constantly concerned about scraping together enough to just get by. 

      When people are dealing with significant debt, they're much more likely to have associated health problems: 

      • Headaches​

      • High blood pressure

      • Ulcers

      • Depression

      • Moderate to severe anxiety

      What people do with their money is still their business. But employers and community leaders can benefit greatly by helping them manage and stretch their paychecks. 

       

      It doesn't matter how much a person earns - if they don't know how to effectively manage that money, they will experience financial distress.

      ​​

      Are you seeing any of these signs of employee financial distress?

      • Wage garnishments

      • Requests for payday loans

      • Increased on-the-job accidents

      • Overtime abuse

      • Longer work breaks or need to make phone calls

      • Disability or Workers Comp claim increases

      • An increase in stress or anxiety-related medical or prescription claims

      • Unexplained outbursts while at work​

      ​If so, then financial distress may be the culprit, robbing your organization of valuable productivity time, not to mention, employee morale!


        THE ROI OF FINANCIAL LITERACY

        46% of workers spend 3 or more hours per week thinking about their finances while on the job, which equates to an average of $5,000 per employee in lost productivity! On the other hand, employers can expect a return on their investment in financial education:

        • Reduced absenteeism & higher productivity

          (average impact of $7,000 per employee per year)

        • Lower employee turnover

          ($8,000 per replaced employee)

        • Reduced workplace accidents

          ($29,000 average savings per accident)

        © Copyrights Shake Your Money Tree, LLC. All Rights Reserved.