Financial wellness programs often come to mind when thinking about improving workers’ money situations. But global consulting firm Mercer says to truly achieve financial well-being, employees first need to find financial courage.

“When you think about it, the whole concept is rather intuitive,” says Betsy Dill, senior partner for Mercer. “Think about the dentist. If you don’t have the courage or confidence to go to the dentist, you will have bad teeth. You won’t get the dental care you need. You have to get over that fear to take that next step. … You need the confidence that you can go to the dentist and it will lead to better oral health.”

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