Most owners think retention is about bigger paychecks. We make the case for a smarter lever: help employees keep more of what they earn and turn that momentum into homeownership. With guest Brad Bennett, we explore how cash flow automation can silently reroute pay, reduce waste, and build savings without the feeling of sacrifice. When people stop leaking money into subscriptions and impulse swipes, emergencies stop becoming credit events and stress drops fast.

From there, we go deeper on the housing angle. Younger workers increasingly doubt they’ll ever buy, which fuels job hopping and short-term thinking. Brad lays out a practical blueprint—education workshops with real estate and mortgage pros, mapping state and federal assistance, and employer incentives like down payment contributions or early mortgage buy-downs. The result is a clear path to a first home and a benefit that sticks, because it changes a family’s net worth and anchors them in the community.

We also unpack the business math. Studies show financial stress eats hours of on-the-clock time each week and drives turnover that can cost more than a role’s annual salary. Even a modest reduction in churn pays for the program many times over once you factor in onboarding, lost productivity, and team disruption. Plus, employers get a dashboard to track adoption and outcomes—powerful proof in recruiting when candidates ask, “Why your company?” If you’re struggling to hire, retain, or keep people focused, this conversation offers a practical, measurable way to create loyalty and lift performance.

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