Depending on where you get your data, there is either a massive and worsening income inequality gap, or top/bottom inequality is fabricated and is actually improving.

But here is an inescapable truth: turning income to financial progress has never been more difficult.  Relative to wages, the costs of housing (over 4x faster), education (nearly 8x faster), and health care (over 2.5x faster) are growing.  And while the bottom quintile of earners are getting significantly more government assistance in the past, the middle class is shrinking.

What this means is that employees earning a living wage are having the hardest time turning their compensation into progress.  As the stock market buoys the wealthy and the government aids the poor, those in between trying to get to financial stability and beyond are struggling to make ends meet.

Money is a leading cause of employee turnover.  Workers perceive a raise as the solution to accessing financial progress, and the struggle to attain financial comfort has decreased employee loyalty and opened the door to mass career changes in the past few decades.

But there is good news.  Millennials and Gen. Z want to work with organizations that share their values, and want to stick longer.  They need help.

With market forces effectively decreasing middle class purchasing power, what you pay may not matter if your people do not have the resources to convert their income into financial progress.

Businesses that focus on how their compensation packages are actually achieving the goals of their employees will win the future.  For that to work, people need guidance to navigate and optimize their resource set and turn compensation into meaningful change.

We can help.