135 Challenges faced by employees and workers

The purpose of this Ultimate Report is to provide you (i.e., employees or workers) with a comprehensive list of challenges that you can face in workplaces as you increase, secure, and future-proof your income.

In today’s ever-changing world of work, economics, and technological innovation, you must be proactive in overcoming your worries and fears by actively increasing, securing, and future-proofing your income before it is too late (especially if you are over 40); before your skills are out of date; before you become irrelevant; before you are made redundant; when you are unable to work anymore (for whatever reason); or when you are forced to retire involuntarily.

Future-proofing is the process of anticipating the future and minimising the effects of shocks and stresses of future events using the right strategies and plans. People don’t plan to fail; they just fail to plan for their future and security. Please take advantage of this powerful resource for your personal transformation as you impact others with the money you have.

1. Work requirements are changing faster than ever

2. Living in times of low productivity growth

3. A significant impact of an aging population

4. The workforce is shrinking — except for 55+ workers

5. Unemployment lasts longer for employees

6. Social security and pension funds don’t have money

7. Organisational restructures disadvantaged workers

8. Employees pay the price for poor management decisions

9. Age discrimination occurs in workplaces

10. Employees don’t physically function well over time

11. Jobseekers struggle to find full-time employment

12. Jobseekers can be left in the lurch by employers

13. Freelancers are taking full-time employee’s jobs

14. Outsourcers are taking full-time employee’s jobs

15. Evolving business and regulatory environment

16. Technology is changing employees’ jobs

17. Technology micromanage employees work tasks

18. Automation puts pressure on employee to work faster

19. Employers puts pressure on workers to work faster

20. Technology collects personal performance data

21. Technology is deskilling workers

22. Technology will regulate and control workers

23. Salaries will remain stagnant for a long time

24. Technology is causing wage stagnation

25. Technology is eliminating full-time jobs

26. Many jobs have an uncertain future

27. Just-in-time hiring is becoming a norm

28. Increasing use of short-term skilled workers

29. Employees are converted into contractors

30. Employees are disadvantaged by minimum wage

31. Employees constantly experience income volatility

32. Employees suffer from outdated education systems

33. Employees will fail within 18 months of a new job

34. Employees don’t have relevant work skills

35. Less-educated employees are discriminated

36. Employees are discriminated by other employees

37. Employees are not getting trained for the job

38. The half-life of a learned skill is five years

39. Employees use only a fraction of their knowledge

40. Employees’ jobs have use-by dates

41. Employees are not working in their field of study

42. Employees are not valued at work

43. Employees need to get into the right circles

44. Employers exert pressure on employees to achieve

45. Employees pretend to be busier than they are

46. Employees don’t share in productivity gains

47. Job descriptions are not updated and outdated

48. Workplaces have become so competitive

49. Employees don’t know what their employer stands for

50. Employees are working in meaningless jobs

51. Employers set unrealistic deadlines to perform

52. Employees are lonely at work

53. Employees are unhappy and disengaged

54. Employees are impacted by office politics

55. Employees are bullied at work

56. Employees are working longer hours

57. Employees are not productive working long hours

58. Employees have fluctuating work schedules

59. Employees have no control over their work schedules

60. Employees are emotionally over-committed by work

61. Employees don’t have work life balance

62. Employees can be reactive, rather than proactive

63. Employees are experiencing burnout

64. Employees have more mental health issues

65. Work stress increases sickness and poor health

66. Work stress triggers employee distractions

67. Employees distracted by smartphone and social media

68. Employees’ working environments are harmful

69. Employees face occupational violence and aggression

70. Employers make payroll errors

71. Employers tamper with timesheet records

72. Employees are forced to take vacation days

73. Employees don’t get workplace counselling and support

74. Employee voices are not heard

75. Whistle-blowers are victimised

76. Desk-bound employees are prone to cancer

77. Toxic workplaces impact employees’ mental health

78. Employees can feel like an imposter

79. Better looking employees are preferred

80. Employers are not transparent with employees

81. Employees distrust their human colleagues

82. Employees are being spied on by their employers

83. Employees impacted by their social media activities

84. Employees receive cyber threats and trolls

85. Employer shares employee’s personal information

86. Employees are spied on by their colleagues

87. Employees’ pay details are being exposed

88. Employees experience wage theft

89. Employees not paid in money

90. Employers can be non-compliant with workplace laws

91. Employees face discrimination and harassment

92. Employees are discriminated by automated screening

93. Wage discrimination is real in workplaces

94. Employees are misguided by inaccurate job listings

95. Employees are discriminated during the hiring process

96. Employers use incorrect background screening reports

97. Former employers can sabotage employees’ job prospects

98. Employees experience poor employer governance

99. Employees constantly deal with workplace conflicts

100. Employees constantly face role ambiguity conflict

101. Employees are managed by incompetent managers

102. Employers promote incompetent people managers

103. Employers can’t incentivise non-managerial performers

104. Employees are disadvantaged by pay scales

105. Employees are not empowered to perform their work

106. Employees are not given enough work data

107. Employees don’t get regular feedback and catch-ups

108. Employees are guinea pigs for management fads

109. Employees are product testers for the employers

110. Employees receive poor communication

111. Employees feel talked at instead of talked to

112. Employees are disadvantaged by performance reviews

113. Employees are treated unfairly

114. Employees have poor financial literacy

115. Employees are not accurately paid or on time

116. Employees are underpaid

117. Employees do not have enough money to retire on

118. Employees are trapped in the Rat Race of Life

119. Employees are not earning enough to make ends meet

120. Employees are stressed and worry about finances

121. Employees carry the burden of generating tax revenues

122. Unemployed employees become liabilities

123. Employees must keep working into their 70s

124. Healthcare cost increasing

125. Employees are not ready for retirement

126. Employees cannot retire on their terms

127. Employees cannot retire due to insufficient savings

128. Retiring early could kill you (particularly men)

129. Retiring female employees are disadvantaged

130. Welfare entitlements constantly change

131. Employers are racing to dump their pension plans

132. Employees’ investments are underperforming

133. Employees’ retirement plans are at risk

134. Future employees are not earning as much

135. Employees are debt-laden until retirement