Discussed in Chapter III - The Increasing Importance of Financial Literacy in the Workplace: The lack of a consistent approach to financial education in our schools results in individuals entering the workforce with vastly different knowledge levels about financial issues. Many haven’t learned the basics of personal finance, including how to make the most of such benefits as retirement savings plans, health care coverage, and other insurance. That lack of preparation often leads to personal financial problems, stress, and distraction—all of which diminish employees’ productivity and their quality of life.