With CORE, your employees will learn to proactively control their money and tackle the real issues first. Best of all, Dave Ramsey makes behavior change fun and entertaining! Once your employees are excited to change their behavior, CORE provides all of the tools they need to implement what they've learned. 70% of Americans live paycheck to paycheck and 24% of take-home pay is wasted on non-mortgage debt. Your employees are struggling to make ends meet and it's hurting your business and your retirement plan. Retirement Readiness Is 80% Behavior And Only 20% Head Knowledge. We don't just talk about change, we deliver it! Dave Ramsey's Financial Wellness program has helped millions of people change their behavior and prepare for retirement. The average turnaround is $8,000 in the first 90 days!.