Basic financial management is critical for union construction workers’ life and work success. More than a third now report serious problems with debt. Many struggle to complete apprenticeship programs or drop out as a result. Collateral impacts include substance abuse; family impacts & crisis; poor work performance; reduced work ethic and commitment. Life skills determine work success, and Million Dollar Blue Collar is designed to help workers with a good income manage the ups and downs of seasons, cycles and earnings in a way to improve their lives and performance.