{"id":14637,"date":"2025-03-20T19:31:26","date_gmt":"2025-03-20T19:31:26","guid":{"rendered":"https:\/\/jboitnott.com\/?p=14637"},"modified":"2025-03-20T19:31:26","modified_gmt":"2025-03-20T19:31:26","slug":"financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings","status":"publish","type":"post","link":"https:\/\/jboitnott.com\/zh\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\/","title":{"rendered":"Financial Wellness Programs: How to Make the Most of Your Employer\u2019s Offerings"},"content":{"rendered":"<article class=\"max-w-3xl mx-auto mb-16\">\n<div class=\"gate-check first-letter:float-left first-letter:text-8xl first-letter:pr-1 first-letter:-mt-1 first-letter:font-black first-letter:text-gray-500 prose prose-blue max-w-3xl text-lg leading-relaxed mb-12\">\n<div class=\"elementor-element elementor-element-0d9846c elementor-widget elementor-widget-shortcode\" data-id=\"0d9846c\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n<div class=\"elementor-widget-container\"><\/div>\n<\/div>\n<div class=\"elementor-element elementor-element-19972bf2 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"19972bf2\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n<div class=\"elementor-widget-container\">\n<p class=\"elementor-heading-title elementor-size-default\"><span style=\"font-size: 16px;\">By 2026, it\u2019s estimated that <\/span><a style=\"font-size: 16px;\" href=\"https:\/\/www.napa-net.org\/news\/2024\/7\/prediction-nearly-half-employers-offer-financial-wellness-2026\/\">47% of employers<\/a><span style=\"font-size: 16px;\">\u00a0will include some form of employee financial wellness programs in their benefits packages. While many people agree that these types of benefits are valuable and help improve employee engagement,\u00a0only\u00a0<\/span><a style=\"font-size: 16px;\" href=\"https:\/\/hrtechcube.com\/employers-say-theyre-setting-employees-up-for-financial-wellness-72-of-workers-disagree\/\" target=\"_blank\" rel=\"noopener\">12% of employees<\/a><span style=\"font-size: 16px;\">\u00a0take full advantage of them for one reason or another.<\/span><\/p>\n<\/div>\n<\/div>\n<div class=\"elementor-element elementor-element-2ed52697 elementor-widget elementor-widget-theme-post-content\" data-id=\"2ed52697\" data-element_type=\"widget\" data-widget_type=\"theme-post-content.default\">\n<div class=\"elementor-widget-container\">\n<p>In this somewhat chaotic economic climate, with\u00a0<a class=\"noskim\" href=\"https:\/\/due.com\/surprising-ways-to-cut-household-costs\/\" data-google-interstitial=\"false\">rising housing and food costs<\/a>, managing personal finances can feel overwhelming, so don\u2019t overlook these valuable benefits. They can save money, reduce financial stress, and improve future security.<\/p>\n<p>This article will help you understand the financial wellness benefits your employer offers and how to maximize them while working to meet your financial goals.<\/p>\n<h2>Understanding Your Company\u2019s Financial Wellness Package<\/h2>\n<p>Employee financial wellness programs can include a variety of tools and formats. Some of the most common are services and programs in these three areas:<\/p>\n<ul>\n<li>Financial education seminars teach topics such as budgeting, saving, and investing to\u00a0<a class=\"noskim\" href=\"https:\/\/due.com\/financial-literacy-improve\/\" data-google-interstitial=\"false\">improve your financial literacy<\/a>;<\/li>\n<li>One-on-one coaching provides personalized advice tailored to your unique financial situation;<\/li>\n<li>Digital planning platforms offer convenient, on-the-go access to budgeting tools, retirement calculators, and savings trackers.<\/li>\n<\/ul>\n<p>Some employers may even go a step further with perks like student loan repayment assistance, emergency savings programs, investment guidance, or matching retirement account contributions. Generally speaking, most employees will reap the most significant benefits from a mixture of these component programs and services.<\/p>\n<h3><span id=\"Accessing_Information_About_Your_Financial_Wellness_Benefits\" class=\"ez-toc-section\"><\/span>Accessing Information About Your Financial Wellness Benefits<\/h3>\n<p>It\u2019s not too late to explore your options, even if you\u2019ve already completed your company\u2019s onboarding process. While you\u2019ll probably need to activate or opt into some benefits during either onboarding or an open enrollment period, others are accessible anytime.<\/p>\n<p>Your first step should be to visit your company\u2019s benefits portal, which may include a dedicated section for financial wellness. You may find articles, recorded webinars, tools, and sign-up forms for additional services.<\/p>\n<p>If you can\u2019t find what you\u2019re looking for or have any questions about specific benefits, contact your HR department directly. Many companies also share financial wellness details during onboarding or benefits orientation sessions, so review any materials you received when you started your job.<\/p>\n<h2><span id=\"Core_Components\" class=\"ez-toc-section\"><\/span>Core Components<\/h2>\n<p>The financial wellness programs in your employee benefits package may include core components such as educational, coaching, or digital tools, or a mix of those. Each type of program offers a different perspective on\u00a0<a class=\"noskim\" href=\"https:\/\/due.com\/financial-health-score\/\" data-google-interstitial=\"false\">financial health<\/a>\u00a0and money management.<\/p>\n<h3><span id=\"1_Financial_Education_Seminars\" class=\"ez-toc-section\"><\/span>1. Financial Education Seminars<\/h3>\n<p>Financial education seminars may address different areas of financial wellness. Key topics can include budgeting, retirement planning, investing, and managing debt to improve financial management. Some companies also offer specialized resources, such as home-buying workshops or tips for navigating major life changes like having a child or saving for college.<\/p>\n<p>Additionally, seminars may come in a variety of delivery formats. Live webinars provide an interactive experience, allowing you to ask questions of the expert or facilitator in real time. In contrast, pre-recorded videos or on-demand webinars offer more flexibility to learn at your own pace. Moreover, employers sometimes partner with\u00a0<a class=\"noskim\" href=\"https:\/\/due.com\/secrets-to-finance-during-difficult-times\/\" data-google-interstitial=\"false\">financial experts<\/a>\u00a0or organizations to bring in tailored educational content for their employees. Look through your company\u2019s offerings for the seminars that align with your current financial goals or challenges.<\/p>\n<h3><span id=\"2_One-on-One_Financial_Coaching\" class=\"ez-toc-section\"><\/span>2. One-on-One Financial Coaching<\/h3>\n<p>One-on-one financial coaching offers the most targeted advice for your financial situation. Whether you have access to just a few sessions or many, consider taking advantage of coaching if it\u2019s part of your benefits package. You\u2019ll get the most personalized insights and focused guidance to meet your goals quickly.<\/p>\n<p>Individual coaches follow their own approaches. In general, you can expect to share relevant documents (pay stubs, a list of recurring expenses, a copy of your budget, etc.) with your coach so that they get a better understanding of your current financial picture. Then, you and your coach will discuss your goals and devise a plan of action to get you there. Your coach can help you focus on your progress and any challenges you face.<\/p>\n<h3><span id=\"Digital_Financial_Planning_Tools\" class=\"ez-toc-section\"><\/span>Digital Financial Planning Tools<\/h3>\n<p>Digital financial tools are increasingly included as the core of benefits packages. These might consist of budgeting apps, retirement calculators, and platforms for investing or tracking net worth. Employers often provide access to premium versions of popular budgeting tools like YNAB (You Need a Budget) or investment apps like Betterment. Some programs also include proprietary tools designed specifically for employees.<\/p>\n<p>Features like personalized financial advice, spending analysis, goal-setting, and automated alerts can be especially useful. Retirement calculators can estimate how much you should be saving based on your lifestyle and goals while budgeting apps track your spending and\u00a0<a class=\"noskim\" href=\"https:\/\/due.com\/adhd-impulse-spending\/\" data-google-interstitial=\"false\">show you where you can save money<\/a>. Advanced tools may even provide\u00a0<a class=\"noskim\" href=\"https:\/\/due.com\/investment-decisions\/\" data-google-interstitial=\"false\">investment advice<\/a> or project future financial outcomes based on your current habits.<\/p>\n<h2><span id=\"Often-Overlooked_Benefits\" class=\"ez-toc-section\"><\/span>Often-Overlooked Benefits<\/h2>\n<p>Employers can offer many different types of financial wellness programs and benefits. Some may not be as prevalent as others, but financial health \u2014 and help \u2014 can come in various forms.<\/p>\n<h3><span id=\"Student_loan_assistance\" class=\"ez-toc-section\"><\/span>Student loan assistance<\/h3>\n<p>For many employees, student loan debt is a heavy financial burden. Recognizing this, some employers offer ways to help alleviate the pressure. These benefits may include direct repayment contributions, where the company makes payments toward your loan principal on your behalf, or refinancing options that provide lower interest rates through trusted financial partners.<\/p>\n<h3><span id=\"Emergency_savings_programs\" class=\"ez-toc-section\"><\/span>Emergency savings programs<\/h3>\n<p>Building an emergency fund can be a challenge. Employer-sponsored savings programs make it easier. These initiatives often include incentives like matching contributions for every dollar you save or interest-free savings accounts. These funds are typically deposited into a dedicated account that you can access in emergencies, such as unexpected car repairs or medical expenses.<\/p>\n<h3><span id=\"Investment_guidance\" class=\"ez-toc-section\"><\/span>Investment guidance<\/h3>\n<p>Investing can be intimidating, especially for beginners. Employer-provided investment guidance simplifies the process. Many companies partner with\u00a0<a class=\"noskim\" href=\"https:\/\/due.com\/16-strategies-to-simplify-your-financial-planning-and-save-money-on-advisory-fees\/\" data-google-interstitial=\"false\">financial advisors<\/a>\u00a0or provide access to platforms that help employees start investing. These tools may include\u00a0<a class=\"noskim\" href=\"https:\/\/due.com\/ai-and-personal-finance-how-to-use-ai-to-transform-your-money\/\" data-google-interstitial=\"false\">AI-powered<\/a>\u00a0robo-advisors that offer personalized investment strategies or in-person consultations with professionals who can answer your questions.<\/p>\n<h3><span id=\"Retirement_planning_tools\" class=\"ez-toc-section\"><\/span>Retirement planning tools<\/h3>\n<p><a class=\"noskim\" href=\"https:\/\/due.com\/strategic-retirement-planning-using-options-to-manage-risk\/\" data-google-interstitial=\"false\">Retirement planning<\/a> can feel overwhelming, but employer resources can make it more manageable. Start by maximizing your 401(k) contributions, especially if your company offers a matching program. That\u2019s free money you shouldn\u2019t leave on the table.<\/p>\n<p>Beyond matching contributions, many employers provide access to retirement calculators, investment guidance, and automatic portfolio management tools to maximize your savings. These resources can help you assess your current retirement strategy, adjust contributions, and ensure your investments align with your long-term goals.<\/p>\n<h3><span id=\"HSAFSA_optimization\" class=\"ez-toc-section\"><\/span>HSA\/FSA optimization<\/h3>\n<p>Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are powerful yet often underutilized tools for\u00a0<a class=\"noskim\" href=\"https:\/\/due.com\/retirement-healthcare-costs\/\" data-google-interstitial=\"false\">managing healthcare costs<\/a>. HSAs allow you to save pre-tax dollars for medical expenses, with unused funds rolling over from year to year. FSAs, while slightly less flexible, also offer significant tax advantages for expenses that meet qualifying criteria.<\/p>\n<p>Additionally, employers may provide tools or seminars to help you make the most of these accounts, such as tips on estimating annual healthcare costs or strategies for using HSA funds as a long-term savings vehicle.<\/p>\n<h2><span id=\"Common_Pitfalls_to_Avoid\" class=\"ez-toc-section\"><\/span>Common Pitfalls to Avoid<\/h2>\n<p>To make the most of your company\u2019s financial wellness program, avoid the following pitfalls, which can stall progress toward your goals.<\/p>\n<h3><span id=\"Procrastination\" class=\"ez-toc-section\"><\/span>Procrastination<\/h3>\n<p>If you haven\u2019t yet, don\u2019t delay looking into your benefits. After all, the earlier you start, the more value you\u2019ll gain, and the sooner those good habits you\u2019re learning will bear fruit. Begin by reviewing any literature you\u2019ve been given. Then, consider scheduling an appointment to consult with your HR department for further information. That way, you can begin taking advantage of your benefits as soon as possible.<\/p>\n<h3><span id=\"Partial_participation\" class=\"ez-toc-section\"><\/span>Partial participation<\/h3>\n<p>Whatever format your benefit takes, resolve to engage fully with the program. It\u2019s important to understand that merely attending one seminar won\u2019t be as effective as using multiple resources. Likewise, you\u2019ll get better and faster results when you give each program or class your full attention. Take notes to help remind yourself of the key points you can implement to improve your financial health.<\/p>\n<h3><span id=\"Missed_deadlines\" class=\"ez-toc-section\"><\/span>Missed deadlines<\/h3>\n<p>Pay particular attention to enrollment deadlines for any of your financial wellness benefits, especially those perks that require you to opt in or make further choices to configure your plan. Examples would include retirement plans or health spending accounts (HSAs). Missing an enrollment deadline could wind up costing you dearly.<\/p>\n<h3><span id=\"Failure_to_implement\" class=\"ez-toc-section\"><\/span>Failure to implement<\/h3>\n<p>The first step is learning about the products and strategies that can help you improve your financial health. You\u2019ll need to implement what you\u2019ve learned to gain from the benefit. Resist the temptation to feel that you have to embrace every single strategy at once. Pick one or two to focus on first, then adopt others when it makes sense to do so.<\/p>\n<h2><span id=\"Measuring_Progress\" class=\"ez-toc-section\"><\/span>Measuring Progress<\/h2>\n<p>To ensure you\u2019re making good progress towards an improved financial profile, it\u2019s important to do three things:<\/p>\n<p>Set reasonable goals:\u00a0 Setting clear goals is the backbone of financial progress. Make your goals specific, measurable,\u00a0<a class=\"noskim\" href=\"https:\/\/due.com\/financial-independence-is-a-scam-how-to-not-fall-into-its-trap\/\" data-google-interstitial=\"false\">realistic<\/a>, and time-limited. For example, instead of saying, \u201cI want to save more money,\u201d try something like, \u201cI will save $1,000 for an emergency fund by the end of the year.\u201d If you\u2019re working towards large goals, try breaking them down into smaller goals.<\/p>\n<p>Track the right metrics: Don\u2019t leave your progress to guesswork. Instead, track the right financial metrics to monitor your progress and stay motivated. Identify the metrics that most closely align with your goals. For example, if you want to save a certain amount of money, track your savings rate (i.e., the percentage of your income that you\u2019re depositing into your savings account each month).<\/p>\n<p>Adjust your strategy as needed: Life is unpredictable, so it\u2019s essential to be flexible. Your financial strategy should adapt to changed circumstances. Schedule regular reviews of your financial plan, such as once every quarter or twice a year. During these reviews, evaluate your progress on those key metrics you identified upfront. Are you on track with your savings goals? Is your debt reduction proceeding as planned? If you\u2019re falling behind, identify the obstacles\u2014such as unexpected expenses or unrealistic timelines\u2014and revise your plan.<\/p>\n<h2><span id=\"Conclusion\" class=\"ez-toc-section\"><\/span>Conclusion<\/h2>\n<p>Financial wellness programs are a powerful way to improve your financial health, reduce your financial stress, and make the most out of your employment. Understanding and using your employer\u2019s offerings can reduce stress, save money, and achieve long-term goals. To maximize your employer\u2019s offerings, start by reviewing your benefits portal or speaking with HR. Choose one or two resources to explore this month. Then, commit to pursuing your new financial wellness plan to meet your goals.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<div class=\"mx-auto mb-8\"><strong class=\"markup--strong markup--p-strong\"><em class=\"markup--em markup--p-em\">Thanks for reading! Do you want to create thought leadership articles like the one above? If you struggle to translate your ideas into content that will help build credibility and influence others, sign up to get John\u2019s latest online course \u201c<\/em><\/strong><a class=\"markup--anchor markup--p-anchor\" href=\"https:\/\/jboitnott.com\/zh\/writing-from-your-voice-course\/\" target=\"_blank\" rel=\"noopener\" data-href=\"https:\/\/jboitnott.com\/writing-from-your-voice-course\/\"><strong class=\"markup--strong markup--p-strong\"><em class=\"markup--em markup--p-em\">Writing From Your Voice<\/em><\/strong><\/a><strong class=\"markup--strong markup--p-strong\"><em class=\"markup--em markup--p-em\">\u201d here.<\/em><\/strong><\/div>","protected":false},"excerpt":{"rendered":"<p>By 2026, it\u2019s estimated that 47% of employers\u00a0will include some form of employee financial wellness programs in their benefits packages. While many people agree that these types of benefits are valuable and help improve employee engagement,\u00a0only\u00a012% of employees\u00a0take full advantage of them for one reason or another. In this somewhat chaotic economic climate, with\u00a0rising housing [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14641,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[923],"tags":[373,1494,1495],"class_list":["post-14637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-entrepreneurial-mindset","tag-employee","tag-employee-wellness","tag-workplace-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financial Wellness Programs: How to Make the Most of Your Employer\u2019s Offerings - John Boitnott<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/due.com\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial Wellness Programs: How to Make the Most of Your Employer\u2019s Offerings - John Boitnott\" \/>\n<meta property=\"og:description\" content=\"By 2026, it\u2019s estimated that 47% of employers\u00a0will include some form of employee financial wellness programs in their benefits packages. While many people agree that these types of benefits are valuable and help improve employee engagement,\u00a0only\u00a012% of employees\u00a0take full advantage of them for one reason or another. In this somewhat chaotic economic climate, with\u00a0rising housing [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/due.com\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\/\" \/>\n<meta property=\"og:site_name\" content=\"John Boitnott\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/jboity\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-20T19:31:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/jboitnott.com\/wp-content\/uploads\/2025\/03\/pexels-fauxels-3184298.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"427\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"jboitnott\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@jboitnott\" \/>\n<meta name=\"twitter:label1\" content=\"\u4f5c\u8005\" \/>\n\t<meta name=\"twitter:data1\" content=\"jboitnott\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u9884\u8ba1\u9605\u8bfb\u65f6\u95f4\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 \u5206\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/due.com\\\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/jboitnott.com\\\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\\\/\"},\"author\":{\"name\":\"jboitnott\",\"@id\":\"https:\\\/\\\/jboitnott.com\\\/#\\\/schema\\\/person\\\/d7fa045fbd7b19d5a9d7a0e88c382319\"},\"headline\":\"Financial Wellness Programs: How to Make the Most of Your Employer\u2019s Offerings\",\"datePublished\":\"2025-03-20T19:31:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/jboitnott.com\\\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\\\/\"},\"wordCount\":1824,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/jboitnott.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/due.com\\\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/jboitnott.com\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/pexels-fauxels-3184298.jpg\",\"keywords\":[\"Employee\",\"employee wellness\",\"workplace finance\"],\"articleSection\":[\"Entrepreneurial Mindset\"],\"inLanguage\":\"zh-Hans\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/due.com\\\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/jboitnott.com\\\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\\\/\",\"url\":\"https:\\\/\\\/due.com\\\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\\\/\",\"name\":\"Financial Wellness Programs: How to Make the Most of Your Employer\u2019s Offerings - John Boitnott\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/jboitnott.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/due.com\\\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/due.com\\\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/jboitnott.com\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/pexels-fauxels-3184298.jpg\",\"datePublished\":\"2025-03-20T19:31:26+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/due.com\\\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\\\/#breadcrumb\"},\"inLanguage\":\"zh-Hans\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/due.com\\\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-Hans\",\"@id\":\"https:\\\/\\\/due.com\\\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\\\/#primaryimage\",\"url\":\"https:\\\/\\\/jboitnott.com\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/pexels-fauxels-3184298.jpg\",\"contentUrl\":\"https:\\\/\\\/jboitnott.com\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/pexels-fauxels-3184298.jpg\",\"width\":640,\"height\":427},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/due.com\\\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/jboitnott.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Financial Wellness Programs: How to Make the Most of Your Employer\u2019s Offerings\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/jboitnott.com\\\/#website\",\"url\":\"https:\\\/\\\/jboitnott.com\\\/\",\"name\":\"John Boitnott\",\"description\":\"Journalist and Digital Consultant\",\"publisher\":{\"@id\":\"https:\\\/\\\/jboitnott.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/jboitnott.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"zh-Hans\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/jboitnott.com\\\/#organization\",\"name\":\"John Boitnott\",\"url\":\"https:\\\/\\\/jboitnott.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-Hans\",\"@id\":\"https:\\\/\\\/jboitnott.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/secureservercdn.net\\\/50.62.194.59\\\/hva.6c9.myftpupload.com\\\/wp-content\\\/uploads\\\/2018\\\/12\\\/JBoitnottLogoBlackTransparent_466b9d7fe55bf906733c5219b1e90fda.png?time=1618442616\",\"contentUrl\":\"https:\\\/\\\/secureservercdn.net\\\/50.62.194.59\\\/hva.6c9.myftpupload.com\\\/wp-content\\\/uploads\\\/2018\\\/12\\\/JBoitnottLogoBlackTransparent_466b9d7fe55bf906733c5219b1e90fda.png?time=1618442616\",\"width\":342,\"height\":77,\"caption\":\"John Boitnott\"},\"image\":{\"@id\":\"https:\\\/\\\/jboitnott.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/jboitnott.com\\\/#\\\/schema\\\/person\\\/d7fa045fbd7b19d5a9d7a0e88c382319\",\"name\":\"jboitnott\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-Hans\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/929094219a4dad7e367ef6b6b0bdcdf11824ba7d143408a2aaa90add4d3a948f?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/929094219a4dad7e367ef6b6b0bdcdf11824ba7d143408a2aaa90add4d3a948f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/929094219a4dad7e367ef6b6b0bdcdf11824ba7d143408a2aaa90add4d3a948f?s=96&d=mm&r=g\",\"caption\":\"jboitnott\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/jboity\",\"https:\\\/\\\/x.com\\\/jboitnott\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Financial Wellness Programs: How to Make the Most of Your Employer\u2019s Offerings - John Boitnott","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/due.com\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\/","og_locale":"zh_CN","og_type":"article","og_title":"Financial Wellness Programs: How to Make the Most of Your Employer\u2019s Offerings - John Boitnott","og_description":"By 2026, it\u2019s estimated that 47% of employers\u00a0will include some form of employee financial wellness programs in their benefits packages. While many people agree that these types of benefits are valuable and help improve employee engagement,\u00a0only\u00a012% of employees\u00a0take full advantage of them for one reason or another. In this somewhat chaotic economic climate, with\u00a0rising housing [&hellip;]","og_url":"https:\/\/due.com\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\/","og_site_name":"John Boitnott","article_author":"https:\/\/www.facebook.com\/jboity","article_published_time":"2025-03-20T19:31:26+00:00","og_image":[{"width":640,"height":427,"url":"https:\/\/jboitnott.com\/wp-content\/uploads\/2025\/03\/pexels-fauxels-3184298.jpg","type":"image\/jpeg"}],"author":"jboitnott","twitter_card":"summary_large_image","twitter_creator":"@jboitnott","twitter_misc":{"\u4f5c\u8005":"jboitnott","\u9884\u8ba1\u9605\u8bfb\u65f6\u95f4":"9 \u5206"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/due.com\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\/#article","isPartOf":{"@id":"https:\/\/jboitnott.com\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\/"},"author":{"name":"jboitnott","@id":"https:\/\/jboitnott.com\/#\/schema\/person\/d7fa045fbd7b19d5a9d7a0e88c382319"},"headline":"Financial Wellness Programs: How to Make the Most of Your Employer\u2019s Offerings","datePublished":"2025-03-20T19:31:26+00:00","mainEntityOfPage":{"@id":"https:\/\/jboitnott.com\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\/"},"wordCount":1824,"commentCount":0,"publisher":{"@id":"https:\/\/jboitnott.com\/#organization"},"image":{"@id":"https:\/\/due.com\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\/#primaryimage"},"thumbnailUrl":"https:\/\/jboitnott.com\/wp-content\/uploads\/2025\/03\/pexels-fauxels-3184298.jpg","keywords":["Employee","employee wellness","workplace finance"],"articleSection":["Entrepreneurial Mindset"],"inLanguage":"zh-Hans","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/due.com\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/jboitnott.com\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\/","url":"https:\/\/due.com\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\/","name":"Financial Wellness Programs: How to Make the Most of Your Employer\u2019s Offerings - John Boitnott","isPartOf":{"@id":"https:\/\/jboitnott.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/due.com\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\/#primaryimage"},"image":{"@id":"https:\/\/due.com\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\/#primaryimage"},"thumbnailUrl":"https:\/\/jboitnott.com\/wp-content\/uploads\/2025\/03\/pexels-fauxels-3184298.jpg","datePublished":"2025-03-20T19:31:26+00:00","breadcrumb":{"@id":"https:\/\/due.com\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\/#breadcrumb"},"inLanguage":"zh-Hans","potentialAction":[{"@type":"ReadAction","target":["https:\/\/due.com\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\/"]}]},{"@type":"ImageObject","inLanguage":"zh-Hans","@id":"https:\/\/due.com\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\/#primaryimage","url":"https:\/\/jboitnott.com\/wp-content\/uploads\/2025\/03\/pexels-fauxels-3184298.jpg","contentUrl":"https:\/\/jboitnott.com\/wp-content\/uploads\/2025\/03\/pexels-fauxels-3184298.jpg","width":640,"height":427},{"@type":"BreadcrumbList","@id":"https:\/\/due.com\/financial-wellness-programs-how-to-make-the-most-of-your-employers-offerings\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/jboitnott.com\/"},{"@type":"ListItem","position":2,"name":"Financial Wellness Programs: How to Make the Most of Your Employer\u2019s Offerings"}]},{"@type":"WebSite","@id":"https:\/\/jboitnott.com\/#website","url":"https:\/\/jboitnott.com\/","name":"John Boitnott","description":"Journalist and Digital Consultant","publisher":{"@id":"https:\/\/jboitnott.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/jboitnott.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"zh-Hans"},{"@type":"Organization","@id":"https:\/\/jboitnott.com\/#organization","name":"John Boitnott","url":"https:\/\/jboitnott.com\/","logo":{"@type":"ImageObject","inLanguage":"zh-Hans","@id":"https:\/\/jboitnott.com\/#\/schema\/logo\/image\/","url":"https:\/\/secureservercdn.net\/50.62.194.59\/hva.6c9.myftpupload.com\/wp-content\/uploads\/2018\/12\/JBoitnottLogoBlackTransparent_466b9d7fe55bf906733c5219b1e90fda.png?time=1618442616","contentUrl":"https:\/\/secureservercdn.net\/50.62.194.59\/hva.6c9.myftpupload.com\/wp-content\/uploads\/2018\/12\/JBoitnottLogoBlackTransparent_466b9d7fe55bf906733c5219b1e90fda.png?time=1618442616","width":342,"height":77,"caption":"John Boitnott"},"image":{"@id":"https:\/\/jboitnott.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/jboitnott.com\/#\/schema\/person\/d7fa045fbd7b19d5a9d7a0e88c382319","name":"jboitnott","image":{"@type":"ImageObject","inLanguage":"zh-Hans","@id":"https:\/\/secure.gravatar.com\/avatar\/929094219a4dad7e367ef6b6b0bdcdf11824ba7d143408a2aaa90add4d3a948f?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/929094219a4dad7e367ef6b6b0bdcdf11824ba7d143408a2aaa90add4d3a948f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/929094219a4dad7e367ef6b6b0bdcdf11824ba7d143408a2aaa90add4d3a948f?s=96&d=mm&r=g","caption":"jboitnott"},"sameAs":["https:\/\/www.facebook.com\/jboity","https:\/\/x.com\/jboitnott"]}]}},"_links":{"self":[{"href":"https:\/\/jboitnott.com\/zh\/wp-json\/wp\/v2\/posts\/14637","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jboitnott.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jboitnott.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jboitnott.com\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jboitnott.com\/zh\/wp-json\/wp\/v2\/comments?post=14637"}],"version-history":[{"count":3,"href":"https:\/\/jboitnott.com\/zh\/wp-json\/wp\/v2\/posts\/14637\/revisions"}],"predecessor-version":[{"id":14642,"href":"https:\/\/jboitnott.com\/zh\/wp-json\/wp\/v2\/posts\/14637\/revisions\/14642"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jboitnott.com\/zh\/wp-json\/wp\/v2\/media\/14641"}],"wp:attachment":[{"href":"https:\/\/jboitnott.com\/zh\/wp-json\/wp\/v2\/media?parent=14637"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jboitnott.com\/zh\/wp-json\/wp\/v2\/categories?post=14637"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jboitnott.com\/zh\/wp-json\/wp\/v2\/tags?post=14637"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}