The Cambridge Human Resource Group states that a lack of financial education for employees is “the most critical unaddressed workplace issue”. Financial stress leads to dissatisfaction with pay,disengagement, higher risk of fraud and theft, unhealthy coping behaviours like drinking and drug abuse which affect the individual’s performance at work. Educating employees on personal finance empowers them to make better financial choices and that raises their morale, decreases absenteeism and increases engagement. And because financial stress causes many to feel negative about their money unaware, many feel angry, powerless, resentful, negation or even jealous. These negative emotions turn off the creative centre of the brain and people can longer be creative to solve their money challenges, instead they get stuck in the ”survival mode”. There is a Huna Philosophy which says, ” Bless that which you want more of”. And one’s emotional experience about money determine whether money is a blessing or a curse.