What keeps you up at night? For millions of Americans, it’s the question of how they will fund their healthcare expenses in retirement. A survey from Franklin Templeton Investments about retirement costs found that Americans are most concerned about how they’ll cover medical and pharmaceuticals bills. Those fears are well-founded, given the high costs of nursing homes, assisted living, hospitalization and prescription drugs.

It’s cliché to say Kim Robinson’s life has gone to the dogs, but it is true. Robinson, 55, spent a majority of her professional life working as a graphics designer. But, in early 2017, her Columbus, Ohio employer was closing shop, forcing Robinson to reassess her future. Did she want to continue toiling in graphic design or try her hand at something new, she wondered. It wasn’t that she didn’t still enjoy graphic design, but soulful pondering fueled a desire to focus her energies on an entirely new pursuit. 

A recent article in The Undercover Recruiter discussed seven job perks employers should consider if they want to attract and maintain millennials their work force.

A toxic business culture can bring down the whole company, driving good employees away and draining productivity. Such a negative atmosphere is fairly common in U.S. companies. A survey by The Creative Group showed nearly a third of executive-level employees said that a colleague had tried to make them look bad in a variety of ways. A study by the Harvard Business School reported that weeding out toxic employees could save a company over $12,000 per employee.