Tens of millions of Americans can't seem to save much money on their own, which becomes a challenge when they must pull out credit cards to meet emergency expenses, pile up other bills or face repossessions. A personal financial struggle can turn into a workplace problem if it leads to anxiety, reduced productivity or absenteeism.

No wonder more employers are paying attention to the savings challenges faced by many of their workers. Thousands of corporations already help their staffs save for retirement through 401(k) programs and similar plans. What if they gave a similar nudge for savings accounts designed to help employees get through short-term cash crunches?

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