In this week’s Best Money Moves roundup, we take a look at news stories and new research studies that may impact employee benefits and HR issues. We hope you find this news roundup helpful, and we’d love your feedback.

Did you know your employees’ student debt is keeping them from pursuing their financial goals?

According to a new study from Prudential Financial, 55 percent of college graduates say their student debt keeps them from saving for emergencies, 42 percent say it’s made them delay buying a home and 40 percent say it keeps them from saving for retirement.

On top of that, many grads don’t completely understand their loans. Almost three-quarters of those surveyed didn’t know how long they’d be making payments, 53 percent didn’t know their future monthly payment amounts and 25 percent didn’t know whether their loans were from the government or private companies.

Here’s what your employees wish they’d known before taking out student loans.

By 2050, the world could face a $400 trillion retirement savings shortfall. People are living longer, so they need more money to fund longer retirements. Our current savings systems aren’t set up to handle it. What can be done?

Would your HR department take a “listening tour” of your company? That’s what the team at Uber did following recent HR (and PR) issues. Here’s what they learned about their employees.

Best Money Moves made Shortlister’s inaugural Top 20 list of financial wellness providers! Check it out. 

Don’t forget about your deskless workers when it comes time for employee training. Because retail workers, warehouse staff, truck drivers and other employees without a cubicle often don’t have company email addresses, they could fall through the cracks in corporate training programs.

Even older, wealthier workers struggle with basic retirement planning concepts. In a study by the American College New York Life Center for Retirement income, 74 percent of these workers failed a 38-question retirement planning quiz.

While low unemployment is good for the overall economy, it makes hiring new employees more difficult. Six tips for hiring in a tight labor market.

America’s teens lack basic financial literacy skills and fall far behind their peers in other nations. According to the Program for International Student Assessment, the U.S. ranked seventh out of 15 countries for financial literacy, with China, Belgium and Canada taking the top spots.

A third of older Latinos say they’ve borrowed money from their retirement accounts, more than people of other races in the same age group, according to a new Associated Press-NORC Center for Public Affairs Research poll. In contrast, about a quarter of older whites and blacks said the same.

Changes in the workplace make employees more likely to quit, according to a study from the American Psychological Association. The study found people who’d recently experienced organizational changes at work were more stressed, less trustful of employers and more likely to leave.

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