Industries We Serve
ConstructionFor Black Hills Construction Teams
Seasonal swings. Hourly pay. Crews stretched thin by money stress that follows them onto the job site. FundWise gives your people the tools to handle it — so you get fewer no-shows and lower turnover.
The real problem
Construction workers face financial stress most benefits don't touch
Variable paychecks, seasonal layoffs, and limited access to traditional financial planning leave hourly construction workers more financially stressed than most.
Seasonal income swings wreck budgets
Black Hills construction booms in summer and slows in winter. Workers who haven't learned to budget for variable income arrive at slow season already broke — leading to desperate financial decisions, distraction on the job, and exits to any employer who'll pay them through December.
Module 5: Budgeting for Variable Income
Hourly workforce turnover is the industry's biggest cost
The construction industry sees annual turnover north of 20% for hourly and trade workers. Replacing a skilled crew member costs 33% of their annual salary in recruiting, re-onboarding, and lost productivity.
SHRM: 33% of annual salary to replace one hourly worker
Financial stress costs $4,257 per employee in lost productivity
Financially stressed workers are distracted workers. On a job site, that's missed instructions, slower work, and absenteeism when a financial crisis boils over.
Financial Health Network / John Hancock 2023
How FundWise helps
Curriculum built for the way construction workers actually get paid
FundWise group coaching sessions are live, conversational, and packed with actionable content — for construction teams, the curriculum leans hard on modules that address hourly and variable-income realities.
Module 5Top Pick
Budgeting for Variable Income
Teaches the "season-proof budget" framework: how to set a baseline from your lowest earning month, build a cash buffer during peak season, and avoid the financial freefall that happens when the work slows.
Module 2
Reducing Financial Stress at Work
Addresses the psychological side of money stress — what it costs in focus and performance, and the practical frameworks that interrupt the anxiety loop.
Module 3
Debt Management & Credit
Variable income often leads to credit reliance between slow seasons. Covers debt payoff prioritization, how interest really works, and how to stop the cycle of borrowing to survive the off-season.
Module 1
Understanding Your Benefits
Many construction workers leave benefits money on the table — HSA contributions, retirement matches, and insurance elections they don't fully understand.
See the numbers
What's financial stress costing your crew?
Enter your headcount and average wage. The calculator preloads construction industry multipliers and shows your estimated annual cost — and ROI with FundWise.
Calculate Your ROIMore industries