Should Student Loans Be Paid Off Early?

There is a good deal of popular wisdom, but little guidance on one major concern: Should workers prioritize paying off student loans ahead of schedule or prioritize saving for retirement?

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Engagement

Workers are Worried about their Finances and Employers Can Help

American Workers Are Worried About Their Finances American workers are worried about their personal finances; 45% of the people we recently surveyed said that worrying about personal finances kept them up at night. These respondents…

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Webinar Recording: The Science of Habits with Nir Eyal

In an age of ever-increasing distractions, habits are important for making businesses, workplaces, and benefit programs successful. Think of the products and technologies that you use everyday – what characteristics keep you coming back for…

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Retirement

Managed Accounts vs. Target-Date Funds: Do Default Decisions Matter?

When it comes to helping increase employee retirement savings, getting employees enrolled in a retirement plan is a great first step. However, is simply participating really enough? Once employees are enrolled, there is so much…

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Retirement Benefits That Can Help Employees: Managed Accounts

We’ve discussed the challenges we face with helping employees prepare for retirement and looked at a couple of options plan sponsors can offer that make it easier for employees to face their retirement benefits. Now…

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Healthcare

Are Employees Maxing Out Their HSAs?

High deductible health plans offer low monthly premiums in exchange for higher cost sharing and higher out-of-pocket maximums. Deductibles vary plan by plan, but the statutory minima can be shockingly high before coinsurance kicks in–…

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Do Employer Contributions Lead To Employee Contributions in Health Savings Accounts?

In my first post based on our new paper, Health Savers – The Consumer Finances of Health Savings Accounts, I discussed whether or not health savings account holders invest their balances. In this post I…

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