<prompt> Human: TLDR; I want to help them better manage their money, save some for a rainy day, and understand that payday loans and overdraft fees are robbing them of any sort of financial security. Does anyone have any recommendations of online classes, tutorials, etc that I can provide for them to learn more about personal finance topics? I will offer them an opportunity to sign up for Dave Ramsey FPU I pay for the class materials, but I was hoping there were some other options in case they arent comfortable with the faith-based curriculum or arent too keen on going to a church to take the class.Hey PF, I own a small commercial maintenance company in Texas, and the majority of our employees 8-10 depending on season are unskilled, entry-level type employees. They make anywhere from 10-16 hr, and work full time. I understand that sometimes it may be difficult to provide for their families on this income, so I try to make sure there are opportunities for extra work, or, in the case of our off-season time, guarantee a minimum number of hours that they will be paid. We also provide health insurance to all full time employees for 62.50 per bi-weekly paycheck the company picks up the rest of the tab. We have a few employees that are in their early 20s and have never had any personal financial education. Ive been approached multiple times asking for an advance on their paycheck, or if they can run to the bank first thing on payday to deposit their check to cover overdrafts. They all get the same answer every time- no advances on paychecks, or take care of your errands on your breaks, not while youre on the clock. This is getting pretty frustrating because its happening more often.Recently, one employee hasnt been finishing all of his assigned tasks at the end of his shift- cleaning up his equipment, other menial tasks designed to prolong equipment life, etc- because he says he needs to go home and sleep his shift is 11 pm-7 am before his next job. Come to find out he has been working temp jobs to try and make more money because he cant pay his bills. After talking with him more, he is spending over 400month on a fairly new car, but doesnt have insurance on it because he cant afford it. He doesnt have a bank account weve urged him multiple times to get one and set up the direct deposit we offer, so he takes his place to a check cashing place. They offered him an awesome deal- he deposits his paycheck of 450, and they give him 600. All he has to do is come back and pay the difference the next week. Obviously, he has fallen into some bad traps that have left him with no money at the end of the pay period. This seems to be a recurring theme with the younger guys just starting out, and I really want to help. I know its not really my place to tell them how to spend their money, but they are good employees and I dont want to lose them because they think they cant afford to work at my company.  <response>: Credit union membership is a benefit you can offer your employees at no cost to you. Id recommend that you find a local one and see what they have to offer. Most any of them would be happy to send a rep over to discuss the benefits of membership with your employees, and many of us even have financial planners on staff that are willing to set aside time to work with employees. You may even consider affiliating with a specific CU as a SEG SEGs are select employee groups, which are workplaces that partner with the CU for mutual benefit. For example, heres an example of the range of benefits one such CU can provide. 