Mention a shorter work week to anyone within earshot and no doubt you'll hear a resounding "Amen!" 1 in 9 Americans work 50+ hours per week as per The Center for a New American Dream. Compare that to 1 in 81 in Sweden and 1 in 152 in the Netherlands and it's no wonder so many of us are stressed-out and exhausted.

Working fewer days per week is not just something to dream about while you ought to be filing reports and crunching numbers. There are already employers switching to a 4-day work week model and others thinking about doing so. Why? The benefits are powerful and enhance the lives of employees and their employers as well.

A shorter work week is valuable to take into consideration if you're the boss and something to bring to the table with these 3 benefits to back you up if you'd like your company to take this notion seriously. 3 day weekend… here we come!

Better for Overall Health

When we're overworked, tired, and stressed, health inevitably takes a toll. As per Healthline, "Numerous reports and studies have shown that the expected pace put upon the U.S. workforce is to blame for many health issues that plague adults today. These include sleep issues, obesity, and an overall weakened immune system. Cut back the work week by a day, and we could see significant improvements in our physical and mental health."

With health issues like these so prevalent in our work-centric society, people are taking more and more sick days, or come into the office when they're not at their mental or physical best. Time isn't of value if the employee isn't able to produce as well as they want or are able to. This can lead to even more stress, creating bodily illness and mental strain – a vicious cycle.

That cherished extra day of free time clears the mind and allows the body to recuperate. Employees will have the chance to focus on themselves for 24 more hours so that while they're at work, they can give their all to the job at hand.

Greater Productivity

Even though the employee will be spending fewer days at the office, it's been shown that their work effort and output is actually higher with a 4-day work week. As per Joseph Chris Driving Business Connections, "Employees return to work more refreshed after a 3-day weekend. They even make it a point to work very hard during the compressed week, so that they will not lose the privilege of a four day work week system. When staff is pumped up to go back to work, they tend to be more productive. This results in more output and higher company revenue."

Employees appreciate this benefit and are more inclined to be sure everything is complete and done well so they can take full advantage of this arrangement. They are happier and more willing to work together to keep the system in place. This is a win-win for the employee and the higher-ups.

Plus, with this 4-day work week program, each day will include more hours in the office to compensate for the missed day. Therefore, as per WiseStep, "Because employees spend continuous hours at work, they do not miss the flow of work or get distracted to leave for home. They get enough time to complete the task in the same day rather than passing it off to the next day. 10-11 hours of work (per day) motivates the employee to finish the task the same day with full concentration."

Enhanced Work – Life Balance

Naturally, a 4-day work week allows for a better work – life balance. People can spend more time with their families and doing things they enjoy such as hobbies, exercise, and vacationing outside the office. As per The Center for a New American Dream, 59% of employees say their jobs do not leave them with enough time for themselves and 75% feel they do not have enough time with their kids. A 4-day work week system would surely change these percentages for the better.

Although you may get home later or need to head into work a bit earlier on the 4 work days, an entire full day of free time more than makes up for it. No interruptions and no work worries. Joseph Chris notes, "(A 3-day weekend) gives employees more relaxation time with family and friends, and whatever errands they were unable to do during the work week they can accomplish during the weekends. If anyone wants to escape the fast-paced life even just for a while, 3 days would be enough time to unwind and rejuvenate."

As far as the employer's benefit, Nevada Small Business notes, "You're likely to attract more highly qualified new hires who view the four-day week as a major lifestyle benefit. Plus, because of the longer work day, employees miss the standard morning rush hour, getting to work early and staying later. Less time in traffic – a big plus."

Who's not interested in a 3-day weekend? These 3 benefits are no-brainers and make sense for the worn-out worker. Let's all move to the 4/3 plan and improve health, wealth, and life in general!

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I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.

My buddies and I always try to make it out to a game, but we never really care which one we end up at. Obviously we have our favorite sports and teams, but it was rarely about what game we went to or who we saw playing. It was about watching the game live.

In the early months of lockdown, all we had was Korean baseball, and trust me, we loved it. The only issue was, none of us had any idea what the commentators were saying. Even then, a few of my friends weren't huge fans of baseball. They were into sports like football and basketball, ones that moved at a quicker pace with less down-time in between plays.

We decided to see if there were any other events going down and came across horse racing. Yes, horse racing. It was perfect--short, fast-paced, and most importantly, an opportunity for betting.

I had never really considered watching a horse race any time other than the Belmont Stakes, but the prospects of the sport seemed exhilarating. Even better, with horse racing we knew we could still recreate the atmosphere of a race track. Salty snacks? Check. Stale beer? Check. A simple and easy way to bet? Check.

One quick Google search later, we came across TVG, powered by FanDuel. It's an online betting platform that takes you right to the heart of the action. We were a little apprehensive about using a mobile app to place our bets, but TVG's ability to bet on live horse races from all over the world was too good to pass up.

Here are 5 reasons why we are obsessed with horse racing thanks to TVG:

1. Betting has never been easier

Use your phone or computer to watch and bet on live horse races in real-time. TVG offers a bunch of features to make betting even simpler--live odds and handicapping tips leverage recent learnings to help you make your best bet. Not to mention, TVG's exclusive race content and wagering guide offers an under-the-hood look into the strategy behind horse race betting.

2. The biggest selection of horse races out there

If you're looking to drop a little dough on a horse race, chances are your best option is your local race track. But watching the same few horses races over and over again isn't the most exciting thing. With TVG you have access to over 150 tracks worldwide with races happening consistently throughout the day.

3. Get a generous sign-up offer when you place your first bet

Once you register your account, you will be eligible for a $200 risk-free bet. All you have to do is place your first bet and you're covered. If you happen to lose, TVG will insure you for up to $200 as a sort of wagering credit. I may have been a little trigger happy when placing my first bet, so having this insurance was a great perk. There are also a bunch of promotional offers available year-round.

4. Making deposits and cashing out at the touch of button

With a ton of payment options such as PayPal, BetCash, debit/credit, wire transfers, and other third-party services, making a deposit is a breeze. But what about the payout? Depending on your deposit method, your withdrawal will be available in a few days. No more waiting in-line to collect your winnings!

5. Watching live races with your friends while betting is exhilarating

Even when we were watching Korean baseball, Zoom calls with my friends were a little dull.

With TVG, we haven't had this sort of fun in months! Every weekend we'll turn on a race and throw our bets in. After a few races, and quite a few drinks, we'll tally up our winnings to see who won the most! Sometimes it's not even about making money, but just having a good time.

TVG is the perfect way to add a little excitement to an otherwise mundane afternoon. It introduced me to the world of horse racing, a sport I never would have considered otherwise.

The races just keep ramping up and thanks to TVG, I can always get in on the fun.

UPDATE: The biggest derby in horse racing is THIS WEEKEND. Get in on the action with your $200 risk-free bet!

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