Financial Wellness for Hourly Workers: Where Employers Fit In

Financial wellness isn’t just a personal issue—it’s a workplace issue. And for hourly employees, the stakes are even higher.

More than 60% of hourly workers in the U.S. live paycheck to paycheck.* That kind of financial strain doesn’t just impact their wallets. It affects attendance, turnover, mental health, and overall productivity.

So where do employers fit in? Right at the center.

Why Hourly Workers Struggle Financially

  • Inconsistent hours and variable pay

  • Biweekly payroll cycles that create cash flow gaps

  • Little or no access to employer-sponsored benefits

  • High reliance on credit cards or payday loans

Financial instability leads to stress, missed shifts, job changes, and disengagement. And it creates hidden costs for employers in the form of overtime, rehiring, and lost productivity.

Financially Well Employees Perform Better

Employees with stable finances are:

  • 2x more likely to stay in their jobs

  • 27% more productive

  • 11x less likely to miss work due to stress

Supporting your workers’ financial health is no longer optional. It’s essential.

What Employers Can Do (Without Spending More)

You don’t have to raise wages to make a big impact. Benefits like earned wage access (EWA) are easy to implement and cost nothing to the employer.

Keeper allows your team to access their earnings in real time—without loans or interest. It gives them flexibility, stability, and peace of mind.

Real Impact of Same-Day Pay

  • Reduced absenteeism: Fewer missed shifts due to financial emergencies

  • Increased loyalty: Employees feel supported by their employer

  • Better morale: Less stress means more engagement on the job

Show You Understand Their Reality

Financial stress isn’t always visible. But when you offer tools like Keeper, you show your team that you understand their needs—and you’re here to help.

You can’t control the economy. But you can empower your employees with real-time access to their earnings and improve their lives one shift at a time.

Be Part of the Solution

Thousands of employers are already offering EWA as a core financial wellness benefit. You can too.

Request a Demo to see how Keeper makes it easy, compliant, and free for employers to support their workforce.

*Sources: PwC Financial Wellness Survey, SHRM research, Keeper internal data

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