The non-profit Personal Finance Employee Education Foundation, Inc. recommends employers provide employees access to high quality basic financial education that increases financial literacy and changes employees' personal financial behaviors so financial distress decreases and financial well-being improves. Why? Because research demonstrates that this improves the employer's profits as well as the financial lives of employees.

Nearly twenty years in development, the valid and reliable 8-question FWB scale measures financial distress and financial well-being.

The key question today in workplace financial education is "How effective is the financial education program?" Stated another way "What is the employer's financial education program accomplishing?" Most financial education providers do not know. And employers don't know either.

How does one know when a financial education program is successful? The answer: Measure the outcomes!

A good workplace financial education program surely motivates employees to save enough money so they might later enjoy a financially successful retirement. It educates employees on how to wisely invest. None of these outcomes, however, can occur without practicing good basic financial behaviors.