Financial Wellness Smart Money Works Harder! It’s a fact: 70% of Americans are living paycheck to paycheck. Sadly, 24% of their take-home pay is going straight toward consumer debt. It’s no wonder employees are stressed out and that retirement contributions are low. Dave Ramsey’s SmartDollar teaches participants to proactively take control of their money. It provides a combination of clear direction and motivating content that has helped millions of people improve their ability to budget, pay down debt, save, and invest for the future. SmartDollar is simple to understand and easy to use – and it produces lasting results! With the right information and effective tools, participants learn that saving for retirement should come from the top line, not the bottom.Featured Topics include:SavingBudgetingDebtInvestingCollegeHousesInsuranceRetirement Employee Experience:Step-by-Step PlanWorld-Class ContentEasy-to-Use Budget Tool Employer Experience:Turnkey PromotionComprehensive ReportingDedicated SupportThe average participation rate in SmartDollar in the first 90 days is 22-25%, but that’s just the beginning. SmartDollar has an average participation rate of more than 35% one year into the program.