b'BEWARE OF SCAMS A recent financial resilience report reveals declining mental health among workers both in the United States and the United Kingdom due to anxiety about money. It identifies structural issues preventing employees from building financial resilience. The Londonbased financial institution Wagestream surveyed 4,000 employees equally split between the U.S. and the U.K. They discovered that in the U.S., almost half of adults have less than $500 in savings. While more than 75 percent of employers think they provide an environment supportive to financial wellbeing, only 39 percent of employees agree. The report suggests ways an organization can build a more productive and healthier workforce: Implement practical toolkits: Move beyond generic education to practical tools addressing short, medium, and longterm needs, including budgeting support, savings plans, flexible ways to get paid, and money coaching. Prioritize financial inclusion: Recognize that traditional financial products exclude those with low and/or volatile income. Offer inclusive alternatives such as flexible pay. Foster savings habits: Offer workplace savings based on an optout rather than an optin basis to increase savings participation. Source: www.benefitspro.comNOVEMBER/DECEMBER 2025 WWW.CITYGATENETWORK.ORG 57'