1. Are your young employees in a

2. Is it affecting your BOTTOM LINE?

3. Young consumers are using more credit… Consumer debt is rising fastest among 18-24 year olds. The average credit card indebted household in the 18-24 age group spends nearly 30% of its income on debt repayment—double the amount from 1992.

4. And the results are: Up to 70% of U.S. families live paycheck to paycheck One quarter of U.S. households have net assets under $10,000 Thirty-one percent of wealth-poor households spend more than their income.

5. Why should you be concerned? 10% of employees bring financial issues to work to the extent that it affects their productivity. (Brown, 1999) Of employees with financial difficulties, 1/3 to 1/2 spend approximately 20 hours a month dealing with money matters at work. (McKinley 2003)

6. When employees bring their financial problems to the workplace, the result is… Lower Productivity (Kim & Garman, 2003) Absenteeism (Grimsley, 1997) Tardiness (Grimsley, 1997) Customer loss (Grimsley, 1997) Loss of revenue (Grimsley, 1997)

7. And more… Accidents and risk-taking (Grimsley, 1997) Health care costs, disability and workmen’s comp claims and higher insurance premiums (Grimsley, 1997) Employee theft (Grimsley, 1997) Time on the job dealing with financial issues (Grimsley, 1997) Garnishments (Grimsley, 1997)

8. What can you do? There’s help!

9. Provide Money Crunch as a free benefit to your young employees… At little or no cost to you!

10. Money Crunch can help your business Avoid the costs associated with your employees’ poor money management –Reduce Absenteeism Fewer days off to ‘find money’ to cover expenses Fewer employees who can’t afford quality childcare –Lower Stress and reduce associated medical costs –Increase concentration and focus while at work to improve productivity

11. Money Crunch can also… Teach young employees the principles of better money management Increase participation in employer- sponsored retirement and investment plans

12. How might Money Crunch affect my bottom line? The potential first year return on investment in financial education is more than $400 per employee. (McKinley 2003) The potential long term return on investment is at least 300%. (McKinley 2003) When employees are satisfied with their compensation including benefits, they are more likely to stay with their employers. (Grimsley, 1997)

13. What’s included? Getting motivated Finding money to save and invest Setting financial goals Understanding and selecting the best investment options Identifying appropriate help for financial management Avoiding investment fraud