If employers really want to make sure their employees are financially prepared for retirement, there’s one strategy they should seriously consider when looking at their retirement plans: education.

That’s according to a study from radio finance host Dave Ramsey’s Ramsey Solutions, which found not only that employees with access to financial and retirement education have less stress, more savings and more confidence than those without access, but that age and income to a large extent predict whether an employer is providing that education to employees.

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