In this episode of *The Financial Education Podcast*, we explore the recent changes to the UK National Insurance rate and how this impacts employers' ability to offer pay rises. With National Insurance costs rising and budgets tightening, many employers are looking for alternative ways to support their employees’ financial wellbeing.  We discuss how providing financial education can be a practical solution, helping employees make the most of their income without stretching the company’s finances. Through budgeting tips, debt management, and money-saving strategies, financial education can empower employees to handle their money more effectively, easing financial stress and enhancing workplace morale.   Join us as we examine these strategies, explore a real-world case study, and offer actionable steps for introducing financial education in the workplace. This episode is packed with insights for employers looking to make a difference in their employees’ lives, even when pay rises may not be possible.