For CFOs, CHROs & SHRM Leaders

Your Employees Are Drowning.

It's Bleeding Your Profits.

Your employees have tried to improve their health, finances, and stress levels. They've failed. They're frustrated and don't know where to start. The Build More Margin 21-Day Challenge gives them three quick wins—one in each area—to build confidence and momentum that actually lasts.

Start a Free 25-Person Pilot Or book Scott to speak at your next event →

One link to forward • Employees self-enroll • Results report on Day 21

Bitsy — your guide to building margin
1 in 3

employees say money worries have hurt their productivity at work

PwC, 2023 Employee Financial Wellness Survey

$500B

estimated annual cost of employees' financial stress to U.S. employers

Salary Finance, survey of 10,000+ U.S. workers

Only 35%

of non-retirees feel their retirement savings are on track

U.S. Federal Reserve, 2024

Three Quick Wins. Three Areas. 21 Days to Build Confidence.

Not more information. Not another app graveyard. Not personalization. Just action-based, scientifically supported micro-habits that work for every employee.

1. Financial Margin

Build Your $500 Peace of Mind Account

Employees in the paycheck-to-paycheck cycle live in constant stress. A single unexpected expense (car repair, medical copay, home issue) forces them to choose: use a credit card, raid retirement savings, or default on bills.

The $500 Peace of Mind Account breaks that cycle in 21 days—without judgment about how much they earn.

How it works: Employees commit to a weekly savings target ($25-30/week for 21 days) into a separate account. No investment strategy. No complexity. Just a buffer that says, "We've got this."

The outcome: Reduced financial panic, improved focus at work, and momentum to build from there.

2. Psychological Margin

Master the 4x4x4x4 Breathing Technique

Stress lives in the nervous system. When employees are stuck in fight-or-flight mode, they can't think clearly, they make bad decisions, and they bring that stress home.

The 4x4x4x4 Breathing Technique is a 2-minute tool that resets the nervous system on demand.

How it works: Breathe in for 4 counts, hold for 4 counts, exhale for 4 counts, hold for 4 counts. Repeat 4 times. That's it.

Employees practice it once daily for 21 days. They can use it before a difficult conversation, after a stressful meeting, or when they're feeling overwhelmed.

The outcome: Real stress relief (not placebo), a tool they can use forever, and confidence that they can manage their stress.

3. Physical Margin

Choose One Health Habit That Sticks

Most wellness programs fail because they ask too much: exercise 5x/week, cut out sugar, meditate daily, join a gym, track your steps. Employees get overwhelmed and quit.

We do the opposite. Employees choose ONE health habit for 21 days. Just one.

How it works: Employees pick from a menu: 15 minutes of movement daily, a 10-minute morning walk, drinking 8 glasses of water daily, or no sugary drinks. One habit. One metric. Twenty-one days.

Most employees who commit to one habit for 21 days continue it. Why? Because it works. They feel better. Their energy improves. And now they have momentum to add another habit.

The outcome: Real behavior change, a foundation for long-term health, and proof that they can follow through.

How the Pilot Works

Turnkey for you. One link for your team. No spreadsheets, no employee email lists, no admin burden.

1

We talk for 15 minutes

We scope your pilot, pick a start date, and set up your cohort. That's the entire setup on your end.

2

You forward one link

Your team gets a private company invite link. Employees self-enroll in under a minute—you never collect or hand over their emails.

3

Your team runs the 21 days

Bitsy guides everyone through a 2-minute daily check-in in the challenge app—streaks, savings milestones, and three quick wins.

4

You get the results

On Day 21 you receive a printable results report—participation by name, wellness outcomes in aggregate—plus a review call on scaling up.

Built So Your Employees Actually Trust It

Wellness programs fail when employees suspect their boss is watching. Build More Margin is privacy-by-design: you see who's engaged, never what they shared.

No email handoff

Employees enroll themselves through your company link. You never collect, upload, or hand over a single employee email address.

Engagement by name, wellness in aggregate

Your results report shows who participated and completed the challenge. Stress, sleep, and savings outcomes appear only as team-level aggregates.

Personal data stays personal

Journal notes, individual savings amounts, and personal assessment scores are never shown to anyone but the participant. Not to HR. Not to leadership.

Why it matters: employees only engage honestly when honesty isn't reported to their manager. Privacy is what makes the results real.

Why Start With a Pilot

Measurable ROI

Pre/post assessments and engagement tracking give you real numbers—not anecdotes—to bring to leadership within 30 days.

Built to Grow With You

Start with 25 employees, expand to your entire organization as you see results.

Risk-Free Pilot

Free pilot program means zero financial risk while you demonstrate the value to stakeholders.

Meet Bitsy: Your Guide to Weathering Storms

After 20+ years working with employers and their retirement plans, I've learned that the best employees aren't the ones without problems. They're the ones with margins—buffers in their financial, physical, and psychological health.

When a storm comes (and it always does), employees with margins handle it. Employees without margins break.

That's why I created Bitsy. She's your employees' guide to building those margins. Not through complexity. Not through judgment. Through three simple, action-based quick wins in 21 days.

Don't Be an Itsy

An Itsy is trapped in the stress cycle. Paycheck to paycheck. No breathing room. No tools. No plan. When the next storm comes, Itsy breaks. The 21-Day Challenge moves your employees from Itsy to Bitsy—from fragile to resilient.

Bitsy — from fragile to resilient

For SHRM & HR Leaders

The Build More Margin framework solves one core problem: your best retention tool isn't compensation—it's confidence. When employees feel less stress, less overwhelm, and more control over their life, they stay.

Employee Wellbeing

Reduce stress, improve financial confidence, and increase overall resilience through three interconnected quick wins.

Productivity Gains

When employees feel less stressed, they focus better, make fewer mistakes, and bring more energy to their work.

Engagement & Retention

Employees who feel supported by their employer are more likely to stay. The 21-day challenge shows your team you're invested in them — not just their output.

Speaking Opportunities

Scott is available to present the Build More Margin framework at SHRM chapters and corporate events nationwide.

Perfect For:

  • Mid-market employers (100-5,000 employees)
  • Organizations with high turnover or burnout concerns
  • Companies looking for ROI-driven wellness solutions
  • Teams managing financial stress impacts on work
  • HR leaders seeking engagement alternatives to costly traditional programs
  • SHRM chapters looking for speaker content
  • Organizations integrating 401(k) consulting with employee experience
  • Any team where retention is a strategic priority

Give Your Team Three Quick Wins

Start a free pilot with 25 employees. See them build confidence and momentum in 21 days. Or book me to present this framework at your next event.

No credit card required • Quick response within 24 hours • Zero pressure

What's Included in the Free Pilot:

  • The 21-day challenge app, with Bitsy guiding a 2-minute daily check-in
  • Private company invite link — employees self-enroll, no email handoff
  • Streaks, savings milestones, and daily lessons across all three margins
  • Pre/post stress and financial confidence assessments
  • Printable Day-21 results report + review call on scaling to your full organization