For Employers, Schools & Organizations
What's Financial Stress Costing Your People—and Your Bottom Line?
Financial stress is a silent productivity tax. HUG Your Money™ is a patented, product-neutral platform that helps your people pay off debt faster (~9 years on average at ~3% effective rate), strengthen credit, and plan for life—without loans, sales calls, or referrals.
If you add one benefit this year, add HUG. Thriving employees. Measurable returns.
The Highest-ROI Benefit You Can Add This Year
Modeled member savings often rival—or exceed—the value of common benefits like additional 401(k) match, while cutting money stress that hurts performance.
HUG reduces hidden costs—distraction, absence, and churn—by giving every member a clear, dynamic plan and 24/7 guidance (Dr. FinWell + tutorials) that actually changes behavior.
- Cut hidden costs: presenteeism & absenteeism fall as money stress eases.
- Retain & attract: benefits that improve daily life boost loyalty and recruiting.
- Privacy-first: no product push, no sales calls, no credit checks.
- Debts paid in full: no refinancing, consolidation, negotiation, or bankruptcy.
Productivity unlocked —
reduced distraction, absence, and churn.
Minutes to launch —
simple spreadsheet or enrollment link.
Value per dollar —
measurable ROI vs. common benefits.
What's Financial Stress Costing You?
Input Table
Results
Estimated Monthly Stress Cost
Estimated Monthly Savings with HUG
Net Monthly Savings
Cost of HUG Plan (Monthly)
Annual Net Savings
ROI (%)
Break-even & Payback
Break-even engagement is the % of employees who need to use HUG for annual savings to cover annual plan cost.
Formula: Annual plan cost ÷ Total potential annual savings (at 100% engagement).
Payback time uses your current inputs: Annual plan cost ÷ Annual net savings, shown in months (or days if <1 month).
Annual Cost vs. Net Savings
Quick stress test
Where Your Annual Savings Come From
Schedule a demo.
“It’s hope alive in every space.”
Our Anthem captures what happens when stress lifts and clarity begins: dignity, focus, and the freedom to dream again.
Patented System That Connects Debt, Budget &
Lifestyle/Retirement—in Real Time
Debt
All debts paid in full faster—credit protected; no loans or negotiations required.
Lifestyle/Retirement
Scenario planning that adapts as life changes—so progress never stalls.
Budget
Cash-flow clarity and real-time feedback reduce surprises and reliance on high-cost credit.
The HUG Advantage
More Than Tools
Most programs hand out a bevy of calculators or push employees off to an outside source. HUG delivers a personalized plan that automates the path to financial wellness—and keeps members moving forward.
Built-In Financial Education
Along the way, members build financial literacy—picking up the money skills too often missing from many schools and homes. These lessons stick for life.
Private, Judgment-Free Coaching
HUG isn’t another app to figure out or a passive tool to ignore. Coaching is built into the system with an anonymous relationship to our AI concierge, Dr. FinWell—completely private and without judgment. All members have to do is follow their plan.
Engagement That Multiplies Value
Studies show only about one-third of employees use passive (like most) financial wellness resources.1 By giving them a living plan instead of static tools, HUG sparks engagement that amplifies every other benefit you offer.
How It Works
1) Quick Setup
We set up your group and users in HUG. No complex IT project.
2) Launch & Support
Automated welcome + reminder + monthly check-in. Dr. FinWell + tutorials provide 24/7 guidance.
3) See Outcomes
Usage stats available on request or via a simple online view. Employers never see personal financial data.
Ready to See What HUG Can Do for Your People and Your Business?
Give us 20 minutes. We’ll show you the numbers—and the human impact.
Empowering people since 2008.
SOC-2–aligned practices; no product push, no credit checks.