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Our Blog
If the current economic landscape feels stressful to you, imagine how it feels to your workforce. Between inflation, rising housing costs, and mounting debt, employees across all generations are feeling the squeeze.
But this isn’t just a personal finance issue—it is a critical business challenge.
According to a report from our partners at Zayzoon, “The Ripple Effect: Business Costs of Employee Financial Stress,” the strain on your employees’ wallets is bleeding into their work performance, retention rates, and ultimately, your bottom line.
Here is what business and HR leaders need to know about the state of financial wellness in 2025 and how to turn the tide.
For many U.S. employees, financial stress isn’t an occasional worry; it is a daily reality. The data paints a stark picture of the “daily juggling act” workers face regarding bills, debt, and essentials.
Stress is Sky-High: 80% of U.S. employees report moderate to very high levels of daily financial stress.
Safety Nets are Gone: Nearly half (48%) of employees have no emergency savings.
Living on the Edge: Two-thirds of employees have less than $100 left at the end of the month.
When employees are focused on survival—worrying about rent (16%) and groceries (15%)—their focus cannot be fully on their job.
You might be asking: What does this cost the company? The answer is: more than you think.
When employees are financially stressed, the result is burnout, disengagement, and higher turnover. In fact, 80% of employees admit they are actively looking for higher-paying jobs to solve their financial woes.
Leaders are seeing these impacts firsthand:
93% of HR leaders say financial stress has a direct cost to their business.
73% agree that financial stress hurts job performance.
For 38% of companies, that cost exceeds $25,000 annually.
The good news is that employers can make a tangible difference. The report highlights three effective solutions that are driving measurable returns in retention and morale.
Waiting two weeks for a paycheck when a bill is due today is a primary driver of stress. EWA allows employees to access wages they have already earned.
The Impact: 74% of employers offering EWA report improved productivity, and 53% say it aids recruitment.
Employees aren’t just asking for money; they are asking for guidance.
The Need: 82% of employees want personalized, everyday guidance on budgeting, debt, and credit.
Never underestimate the power of feeling valued.
The Motivator: 73% of employees say meaningful recognition motivates them to exceed expectations at work.
The distinction between “work issues” and “life issues” is vanishing. To build a resilient, productive workforce, companies must address the root causes of employee distraction. By investing in financial wellness—through EWA, education, or recognition—businesses don’t just help their employees survive; they help them thrive.
This blog post only scratches the surface. To see the full data on how financial stress is impacting your industry—and to get the complete roadmap for solving it—download ZayZoon’s latest ebook.