A quality financial literacy program should help your employees learn and practice good financial behaviors. Over time these behaviors will result in positive changes in their financial lives. The changes include increased assets, decreased liabilities, increased net worth, reduced financial distress, and improved financial wellbeing. As a result they will be better able to reach their financial goals, including a successful retirement. A quality workplace financial program provides employees access to help with their overall financial fitness at every stage of their careers. This helps employees live better financial lives as well as maximize savings for retirement.People get ahead financially by practicing good financial behavior and sacrificing part of their current spending to save and invest.