Wealth & Wellbeing: How Financial Preparedness Shapes the Future Workforce
Co-created by Intellect and Endowus.
Money shapes mental health. This joint report from Intellect and Endowus reveals how financial preparedness directly affects employee wellbeing, and what leaders can do to support younger workforces through a holistic wellbeing lens..
About This Report
What does financial wellbeing really mean to younger workers and why should employers take notice?
This study surveyed over 1,000 Gen Z and Millennial employees in Singapore and Hong Kong to explore how financial preparedness impacts:
- Emotional health: resilience, optimism, and self-worth
- Workplace wellbeing: satisfaction, productivity, and retention
- Future outlook: long-term confidence in career and life choices
The report introduces a new paradigm: the Wellbeing Triangle, a framework connecting financial literacy, mental wellness, and work identity.
Inside, you’ll find a deep-dive analysis of generational money mindsets, data-backed links between savings behavior and workplace engagement, and practical recommendations for HR and Finance leaders to deliver more holistic support.
Why This Report Matters
The younger workforce is reshaping what it means to thrive, and financial wellbeing is at the center.
81%
of financially prepared employees report higher self-esteem
69%
say financial anxiety affects their job satisfaction and focus
42%
feel their company does not support their financial wellness
This report outlines how organisations can shift from passive support to proactive enablement by embedding financial wellbeing into culture, conversations, and career planning.
What You’ll Gain
From trends to tactical steps, this report equips you with:
Generational expectations decoded
Understand what Gen Z and Millennials want beyond compensation, including planning tools, transparency, purpose, and meaningful support
The case for holistic wellbeing
Learn how financial coaching, budgeting tools, and mental health services work together to strengthen loyalty and performance
Blueprints to strengthen retention
Explore proven strategies from Intellect and Endowus to boost satisfaction, reduce attrition, and integrate financial wellbeing into workforce planning
Who This Report is Meant For
- HR and People Leaders building wellbeing strategies beyond traditional EAPs
- Finance, Benefits, and DEI Teams aligning wellness with ROI and equity goals
- C-suite Executives future-proofing workforce wellbeing and satisfaction
Millennials and Gen Z aren’t just asking for more — they’re asking for better. This report shows how to meet them with solutions that matter.
