Companies and Retail Stores

Our goal is to teach and help one employee, one citizen, and one student at a time build a better financial future. This would include building 'Paths to Homeownership and Self-Sufficiency'. We provide basic fundamental financial literacy knowledge of many concepts of the complex worlds of money, credit, and finance. Give your employees the 'Gift' of increased financial literacy and the 'Keys' to Financial Freedom.

The NFEC conducted a survey that concluded financial illiteracy costs 254 million American adults over $436 billion annually. We must find a way to put this money back into their pockets to ensure their financial success and grow the economy. Statistics state that 69% of Americans are living paycheck to paycheck, more than likely because they have a lack of or inadequate financial literacy knowledge. In these challenging times inflation, high credit card debt, and shrink-flation people are really struggling financially. American credit card debt has reached over $1.13 trillion and $120 billion in interest and fee payments. This creates enormous amounts of financial stress in their lives and causes many health concerns. Did you know only 57% of Americans have basic financial literacy and over 60% are living paycheck to paycheck? The 'STFF HOPE PROCESS' can help reduce employee turnover and increase employee retention. In essence, it increases your company’s profitability by reducing hiring, training, signing, and retention bonuses, lowering your operations' expenses.

Employee turnover and retention currently cost all companies over $1 trillion annually in additional operational expenses. How can you drastically reduce this expense and add it back into your profits? How do you stand out and make your company more attractive to these employees? Your business is like many national big box stores; home improvement, drug chains, retailers, dollar, supermarket chains, convenience stores, and fast-food restaurants all are competing for the same pool of $10 to $20 hourly full-time and part-time employees. Even the membership warehouses, service industry, and union employees are seeking ways and asking for more wages to increase their incomes. It seems like they are willing to go on strike for a few dollars more per hour with no real limit as to how much more they 'want'. These labor interruptions can be very costly to your business's bottom line. So, what can you do to avoid the strikes and satisfy your employees' need for higher wages? Is there a happy medium for both of you?

Store employee standing proud

Whether your employee turnover rate is 20% to 75% and your hiring costs are $1,500 to $3,000 or more for each new hire it negatively affects your operations budget and bottom-line profits. What is your company's employee turnover rate? What are your average hiring and training costs per new hire employee? What is their average length of employment with your company? What are you doing to increase employee retention? How much money would your company save annually if you could reduce employee turnover by 10% to 40% per year?

This type of investment shows your employees that company loyalty goes both ways and that you really care about their long-term success in life and your work-life balance. If they are your most important asset, how do make them feel like they are part of the team? Offer them a much better long-term financial uplift than a typical hourly wage increase, annual, hiring, or retention bonus. Your employees need to feel included in the organization's future plans. Once this Solution is implemented it provides them with immediate measurable feedback to stay with the company because they are making better financial decisions. You must evaluate the benefits of investing in the ‘STFF HOPE PROCESS’ as an option for providing your employees a better work-life balance for sustainable long-term financial security versus just another annual pay increase of $0.50 plus per hour. Perhaps you can do both! It also allows you to expand your community partnership goals.

An investment in the ‘STFF HOPE PROCESS’ will raise their financial literacy IQ, so they are better able to manage their money, credit, and finances which in essence is like giving themselves a tax-free raise. It's an excellent alternative to tuition reimbursement which will benefit all of your employees. It's like a financial educational ‘Head Start Program’ class to move them to the Adulting phase of financial responsibility. It will also help them accept more personal responsibility for their current financial situations. This new awareness will encourage them to be more proactive, make positive changes, make better financial decisions to increase their income's purchasing power and start saving. Best of all your investment will teach and show them how to put tens of thousands to hundreds of thousands of dollars back in their pockets. These savings will give them the funds to pay down debt, student loans, and a down payment to purchase a house to really start building wealth. They will love you for investing in them and as they build personal wealth, they will be in a better position to purchase more goods and services. So, let's make an investment to put them on the path to self-sufficiency and financial success. This ensures a stronger financial future for your business as well, it is a win-win situation for everyone.

Man placing groceries into a bag

Many companies offer their employees tuition assistance, however, not everyone has plans to attend college. This investment provides all your employees with immediate financial knowledge and life skill tools to change their lives. This book course ‘Gift’ will have more of a long-term financial benefit to your employees than hiring, retention, and bonuses. It makes employees feel like they are a critical part of the team and feel valued, therefore increasing employee morale and retention.

The 'STFF HOPE PROCESS' is a cost-effective investment solution for far less than you think, with a much higher Return On Investment in people for both you and them than any $500, $1,000, $2,000 bonus or pay increase could ever do. It offers your employees the 'Gift' of increased financial literacy for building much more secure financial futures. Now, you can give them a reason to stay! It's an excellent investment opportunity to add to your existing corporate citizenship programs. As a responsible corporate citizen, in addition to all you are currently doing, it also allows your business to uplift entire families and the communities you serve. So, please join us in 'Raising Americans' Financial Literacy Intelligence Quotient, IQ'.