The crisis
The struggle
The struggle
is real
OhioHealth associates show up, work hard, serve and care for patients. Yet many of them are drowning financially.
67%
Of Americans living paycheck to paycheck.
Source: PNC Bank
Financial Wellness in the Workplace, 2024
$1.27T
Owed on credit cards. The most ever.
Source: New York Federal Reserve, 2025
$1.8T
Owed on student loans nationwide.
Source: Education Data Initiative, 2025
$773/mo
The average new-car payment. Also a record.
Source: Edmunds, 2025
5.6%
Of car loans are past due. The most on record.
Source: St. Louis Federal Reserve, 2025
3.6%
Of their pay is all Americans save. Near a record low.
Source: U.S. Bureau of Economic Analysis, 2026
74%
Say money stress is hurting their mental health.
Source: Spring Health, 2026
The cost to OhioHealth
Financial stress
Financial stress
doesn't stay home
Financially stressed employees cost real money in lost productivity, absenteeism and turnover.
$3,400
Lost to on-the-clock money worries, per stressed employee, each
year.
Source: PwC Employee Financial Wellness Survey, 2023
46%
Of stressed employees say the quality of their work has suffered.
Source: Salary Finance, 2023
3 hrs/wk
Spent thinking about money at work, per distracted employee.
Source: PwC, 2023
2x
More likely to be looking for a new job (36% vs 18%).
Source: PwC, 2023
The solution
Financial Rebellion
Financial Rebellion
exclusive 60-day cohort
A cohort is a small group working toward the same outcome in a fixed window of time.
01
200 associates
Selected to join the first Financial Rebellion cohort.
02
Weekly coaching
Live and recorded money coaching with Todd Romer. Less
stress, more confidence, wealth over time.
03
Life skills
- The power of effective communication, Kraig Kann
- Living with passion and purpose, Ida Abdalkhani
- Getting out of debt and starting a side hustle, Todd Romer
04
Two courses
Do Money Differently and Investing Made Easy, for every associate.
05
The book
A copy of the new book, Financial Rebellion, with a golden ticket into the
cohort.
06
Personal follow-up
Emails and short personal videos between sessions, built around each associate's
own goals.
Why a cohort
Real change
Real change
in 60 days
Small group
Together
200 associates moving at the same pace.
Fixed window
60 days
A start, a finish and a reason to act now.
Same outcome
New habits
Behavior change that sticks after the cohort ends.
The investment
Cost to
Cost to
implement
$100,000
One 60-day cohort for 200 OhioHealth associates.
That's $500 per
associate.
What's nextIf the first cohort delivers, more can follow in 2027.
Todd Romer, Founder, Financial Rebellion · 407.925.5600