Shoppers will spend an estimated $435.5 billion this holiday season, according to the National Retail Federation. While this is good news for retailers, it may not be good news for the workers of the world. "Employees are already facing escalating health care expenditures and rising gas and energy costs. Increased holiday spending can only add to their worries," says Gus Stieber of Bensinger, DuPont & Associates. "With research indicating that financial worries often threaten job productivity and impact personal health, workplaces need to take proactive measures to help employees better manage their financial situations."