Raises and bonuses often disappear into everyday spending without improving financial well-being. Learn how employers can help employees direct new income toward savings, debt reduction, and long-term goals.

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Raises, bonuses, and overtime are meaningful investments in your workforce. They have the potential to accelerate savings, reduce debt, and give employees a sense of forward momentum. Yet most of that potential disappears because paycheck settings remain unchanged.

Life moves quickly. Sixty-five percent of workers experienced a major life event last year that affected their finances.* Yet only thirty-four percent adjusted their paycheck settings afterward. When a worker receives a raise, the most common outcome is simply a slightly larger deposit landing in their checking account. Without intentional allocation, the opportunity is lost, and lifestyle creep fills the vacuum. This is the quiet cost of default behavior. The money is spent, but the progress never materializes.

Employees want a different experience. Ninety-five percent want guidance that considers debt, savings, insurance, retirement, and taxes together. They want recommendations that automatically direct new income toward the goals that matter most to them.

By offering paycheck-linked tools that suggest optimal allocation of a raise or bonus, employers transform compensation into true financial progress. Workers see that their employer is not just increasing income, but helping that income create real change.

The loyalty impact is powerful. Sixty-nine percent of employees say they would feel more loyal to an employer that helped their paycheck go further.

Transform compensation into commitment. Ensure every new dollar creates measurable financial progress. Download the SAVVI Financial Research Report, Every Dollar Counts, to discover how to turn paycheck overwhelm into confident action. Or simply click here to schedule a 30 minute chat.

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*Source: 2025 Every Dollar Counts, https://www.savvifi.com/spotlight

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