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W
e’ve all fallen behind on bills. And we all know how much stress that can add to our already stressful liv
es.Some employers try to help their employees through these financial hardships by offering earned-wage access (EWA), through which workers can cash out earned wages ahead of payd
ay.There are two types of EWA programs: direct-to-consumer and employer-sponsored, according to the Congressional Research Service. The former have faced criticism, as they often leave workers paying high fees and earning less of their paycheck to access it, while the latter see employers cover these fees. These programs, however, are less common: Just 12%