Heated dissention over tax cuts and health care for Americans are center stage. But back stage, a relevant, worrisome and largely overlooked issue lingers: The average Financial Wellness Score for U.S. employees is a dismayingly low 5.4 on a scale of one to 10. Indeed, only about 6% of the overall workforce can be considered financially secure, defined as scoring at least nine out of 10.

Driven by money behaviors, financial wellness means maintaining a lifestyle at or below one’s financial needs, keeping an emergency fund and carrying a reasonable level of debt, among other components, said Cynthia Meyer, resident financial planner at Financial Finesse, a leading financial education and research company.

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