HUG Your Money™ is a patented financial-wellness platform that helps every employee and student—not just those in crisis—gain control, pay off debt faster, and plan confidently for the future. It’s proactive, privacy-first, and product-neutral (no loans, no sales calls, no hand-offs to referral networks).
At-a-glance ROI: For less than a small weekly lunch per member, HUG can unlock lifetime savings that rival or exceed the ROI of traditional benefits like a retirement match—often making HUG the rare benefit that can help pay for itself through measurable reductions in money-stress costs.
Figures reflect aggregate HUG member data to date; organizational results vary by adoption and context.
Financial stress is a silent productivity tax. It drains focus, erodes health, and quietly undermines retention. Most programs only respond when people are already in crisis—referring them out for loans, debt negotiation, or counseling. Real financial wellness is proactive: it helps everyone, not just those in trouble, build a healthier relationship with money. HUG Your Money™ is about creating confidence, security, and freedom in how people manage, spend, save, and plan for their future—not just patching problems, but preventing them too.
At HUG Your Money™, we believe financial well-being is the foundation for a thriving workforce, stronger families, and healthier communities.
HUG is not just another toolkit. It gives every member a living, dynamic plan that automates the path to financial wellness—and keeps people moving forward.
Financial wellness means steady control of day-to-day finances, resilience for life’s surprises, and a clear path toward meaningful future goals. Four practical components:
Together, they create a clear financial landscape members can finally see over.
A clear, actionable plan that instantly responds to changes. HUG isn’t a static, one-off snapshot. The dynamic software allows forecasting and “what-if” modeling so members can see their future before it happens.
Real-time feedback and personalized next steps give members a sense of control over their finances.
HUG’s patented platform accelerates debt payoff, strengthens credit, and frees up cash flow. At the same time, it integrates Debt, Budget, and Lifestyle/Retirement so members can see how today’s decisions ripple across their entire financial future—turning small shifts today into measurable savings and stronger retirement readiness.
Our SaaS platform, together with Dr. FinWell—our AI concierge trained exclusively on HUG—delivers consistent yet customized coaching 24/7. Each portal includes a member dashboard with a robust, growing library of concise, question-specific videos and step-by-step tutorials for every module, covering virtually any question members might have.
For HR and school administrators, HUG also provides onboarding and orientation video support. We do the heavy lifting for you—so rollout is smooth, adoption is high, and both members and organizations always have clear guidance at hand.
Continuous, dynamic modeling keeps members accountable and on track. HUG adapts as life changes, turning small shifts into lasting financial transformation. Unlike static plans, HUG grows with the member and ensures steady forward momentum.
A clear, adaptive plan plus real-time coaching produces adoption. Adoption drives behavior change. And behavior change delivers outcomes that matter most: improved retention, reduced absenteeism, lower healthcare costs, stronger loyalty, and a healthier bottom line.
Financial stress drives presenteeism (time spent distracted at work) and absenteeism (missed days). It also accelerates turnover, which is costly for most organizations. Stress impacts health as well, increasing claims and pushing up benefits spend. Employers that offer meaningful financial wellness benefits not only reduce these costs but also improve recruitment appeal in tight labor markets. :contentReference[oaicite:6]{index=6}
Typical outcomes we can track include: adoption and active user rates, average monetary assets built, debt-related savings per active user, change in self-reported financial stress, and positive retention signals when financial stress is reduced.
Members are debt-free in ~9 years on average (all debt — even mortgages), ~3% Effective Interest Rate (HEIR), and ≈$200,000 in interest savings — with no credit harm and no refinancing, consolidation, negotiation, or bankruptcy.
👉 For employers, that means each modest membership dollar can generate outsized employee value—rivaling or exceeding the ROI of traditional benefits like a retirement match—and, unlike most benefits, can help offset the “productivity tax” of financial stress.
👉 For members, it’s more than numbers—it’s freedom from financial stress, dignity in daily life, and the confidence to plan forward.
💡 “For less than the cost of a small weekly takeout lunch, HUG members save nearly $200,000 in lifetime interest.”
Members don’t just use HUG — they belong to it. Personalized coaching and a clear, supportive system create membership, not just participation—driving higher adoption, stronger engagement, and real stickiness.
Use this with any provider—focus on outcomes, not marketing claims.
| Feature | HUG Your Money™ | Other Plans |
|---|---|---|
| Integrated debt + budget + lifestyle/retirement modeling | ✔Dynamic, real-time One plan connects day-to-day choices with long-term goals. | ✖Often static, siloed tools |
| Patented platform | ✔Yes — patented technology | ✖Not available |
| Credit check required? | ✖No credit check needed | ✔Often required for loans/refinancing |
| Product offers | ✖No loans, no product push Product-neutral by design. | ✔Commonly tied to restructuring/refinancing, investment, or insurance sales |
| Debt resolution | ✔Debts paid in full, credit protected | ⚠May involve refinancing, consolidation, negotiation, or bankruptcy—restructure/discharge debt and can harm credit |
| Coaching & support | ✔Dr. FinWell AI concierge + 24/7 tutorials; onboarding & group support | ⚠Varies by vendor—often referrals to third-party advisors; rarely includes ongoing or 24/7 support |
| Employer visibility | ✔Confidential usage/adoption view (no personal data) | ✔Basic reporting, usually tied to product usage or referrals |
| Privacy & security | ✔Encrypted, privacy-first | ⚠Practices vary; some use or sell data for marketing/lead generation |
| Value | ✔Affordable, ROI-driven; measurable outcomes | ⚠Low-cost or “free,” but lower participation often means wasted dollars and missed opportunity |
Short version: HUG is patented, dynamic, and privacy-first. Other plans tend to be static, product-driven, or limited in scope.
Tip: If a solution is “free,” check participation, neutrality, privacy, and measured outcomes—low usage turns “free” into the most expensive choice.
HUG is a service, not an IT project. We do the heavy lifting so your people get started fast.
Nice-to-have, not required. Most launches succeed with the automated welcome + reminder.
Standard membership: $39/month per member. Volume pricing for large groups and enterprise agreements available. No loans, no product push, and no hidden fees.
We’ll demo HUG and model value for your organization using your adoption, absence, and retention assumptions—showing how HUG can be the rare benefit that helps offset costs by reducing money-stress drag. :contentReference[oaicite:7]{index=7}
Consider a mid-size employer that rolls out HUG to all staff. Many employees carry multiple debts (mortgage, auto, cards) and earn around the national median for their roles. Within the first weeks, members complete intake, watch the onboarding video, and begin following their personalized plan across Debt, Budget, and Lifestyle/Retirement—guided by Dr. FinWell and short tutorials.
Figures are illustrative; results vary by organization and adoption.
No. HUG is product-neutral—no loans, no required products, and no commission-driven referrals.
No. HUG’s approach pays debts in full without harming credit; no credit check is required to use the platform.
Adoption and engagement appear within weeks. Member savings and stress reductions build over the first months. Organizational ROI depends on adoption and context.
Dr. FinWell (our AI concierge trained exclusively on HUG), a robust, growing video library, built-in tutorials in each portal area, and HUG Team support via your point of contact.
We respect member privacy. Employers never see personal financial data. Usage/adoption stats are available on request or via a simple online view.
Selected independent sources (representative, not exhaustive): Federal Reserve — Report on the Economic Well-Being of U.S. Households (emergency savings, resilience); CFPB — research on elevated credit-card APRs; PwC — Employee Financial Wellness Surveys (workplace time-cost and job-seeking signals); EBRI & JP Morgan/EBRI briefs (debt/spending effects on retirement readiness); Gallup — turnover cost ranges. :contentReference[oaicite:8]{index=8}
We estimate organizational ROI by combining adoption and engagement rates with employer-provided assumptions (turnover cost, absenteeism baseline, and hourly productivity). Member value reflects modeled interest avoided and months accelerated to payoff versus original schedules. Figures are illustrative and depend on actual adoption and context.
© HUG Your Money™ — Draft v1.1 (September 2025)