Giving credit where credit’s due: Credit Monitoring & Budgeting 2.0

We talk to a LOT of people about their money.

Over thousands of conversations with employees working to get their financial lives in order, two topics come up over and over again. You guessed it…

Credit scores and budgeting.

These two items are foundational to a healthy financial life. If your credit score or your budget is out of whack, it’s going to take some extra dedication to get your financial life in order. 

To help employees tackle these two massive areas of their financial lives, we’re launching two new features in YML this month. 

With these improvements, users can now get a 360°, holistic view of their financial life. That means more informed decisions, less money-related stress, and a healthier financial life. 

Let’s dive into the deets of these two new features: 

Credit & debt monitoring: Take control of your credit score, take control of your future

Your credit score is one of the biggest factors that affect major life moments, from buying a car to finding a place to live. This number literally can cost thousands of dollars every year in higher interest or fees. A better credit score can make or break your financial plans—and cause a serious amount of stress. 

So, we’ve created a tool that lets employees: 

• Keep an eye on their credit score and see all their debts in one place
• Play around with "what-if" scenarios to see how they could boost their score
• Spot any issues early on so they can prevent issues and identity theft.

Why this matters: We’ve said it once, we’ll say it again. Your credit score makes a BIG difference. From securing better interest rates on loans to lowering insurance premiums, giving your employees the tools to monitor and improve their credit can meaningfully impact their lives.

Credit monitoring will be rolling out to ALL existing YML users throughout the month of October!

Budgeting 2.0: No more cash in envelopes or wading through spreadsheets 

Let's face it—budgeting can feel overwhelming and tedious. Whether it’s keeping track of every purchase or balancing essential and discretionary spending, managing a budget can quickly turn into a stress-inducing chore. That's why we’ve reimagined budgeting with a tool designed to take the headache out of the process and make it intuitive, personalized, and—dare we say—enjoyable.

Here’s how it works:

• Your team can set up their own monthly budget that actually fits their life
• Our smart AI can sort their expenses automatically and suggest a budget that makes sense for them
• They can easily see where they might be overspending and get back on track

Why this matters: Providing employees with powerful budgeting tools isn't just a check-the-box benefit. You're offering them the opportunity to take full control of their finances, which is a transformative gift. When employees are financially empowered, everything changes.

Note: You can only get the goodness of budgeting 2.0 in our Plus Package! 

Take action now—Transform your workplace

‍Are you ready to be the leader who brings true financial peace of mind to your team? By offering these tools, you're not just ticking a box on the benefits list. You're giving your employees the power to take control of their financial lives. And when people feel in control of their money, magical things happen:

• Stress levels drop: Less time worrying about money = more brain space for crushing it at work.
• Productivity soars: When financial stress isn't holding them back, your team can really shine.
• Loyalty goes through the roof: Employees who feel supported stick around longer. It's science (okay, maybe it's just common sense, but you get the idea).

Investing in financial wellness is no longer a nice-to-have—it’s a must. The question is, will you be the one to champion this change? Let’s discuss how we can get these tools into the hands of your employees today. After all, your team deserves it—and so do you.