Short YouTube clip (Dan Novaes with another speaker) arguing that many employees leave “free money” at work by not fully using benefits. It explains the problem (employees can’t afford to contribute to ESPPs, 401k matches, HSA/FSA) and presents fintech platforms (example: Benny) that front funds or lend to let workers capture discounts and employer matches without reducing take-home pay. The video urges viewers to maximize available benefits and use these tools as financial leverage.
Chapters
What if I told you that your.
Job is offering you free money but most people never take advantage of it.
Because they think they can't afford to.
And some don't even know about it. That's the trap built into the system. Here's the reality. Most people can't afford to take full advantage of their employee benefits, especially ESPPs or employee stock purchase plans. These plans let you buy company stock at a discount.
But to get in you got to put up your own paycheck.
And that's a big problem because most people can't afford to do that.
Now how do you take advantage of.
That without having to put your own money down? So here's the unlock.
You don't need to be rich, you.
Just need the right platform. Companies like Benny front you the money to max out your ESPP so you can get discounted stock without touching your take home pay.
You're using someone else's money to buy your company's stock at a discount from.
What'S already trading on the market.
When the purchase window closes, you sell, you pay them back and you keep the upside. Especially if you believe in your company.
This is an excellent, excellent opportunity.
It's not just Benny that's providing these services.
In the past I've seen platforms that allow you to maximize your 401k match. Many companies offer up to 6% 401k match for you to take advantage of.
But that essentially means that if you're getting paid $1,000, your company will give you an extra $60 per thousand dollars.
To basically put money into your own 401k.
If you don't do it, you get nothing. But if you do do it, you get an extra $60. The problem is that most people can't afford to take that extra $60 out.
Of their monthly paycheck to think about their future.
So there are companies out there that are essentially offering loans to allow you to maximize these benefits if they are taking a cut of that extra $60 that you are eligible for. So you should always think about ways.
To maximize your 401k benefits, to maximize.
Your employee stock purchase plans and to.
Always maximize things like hsa, fsa.
The idea is here is maximize all benefits possible.
This is literally free money sitting around and you should take advantage of it and always be looking for new platforms like this company. These tools aren't just perks, their weapons.
Use them well and you will maximize.
Your paycheck and take home the absolute most amount of money for your everyday.
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