A full-time worker who makes minimum wage cannot afford to rent a two-bedroom apartment anywhere in the country, according to a report by the National Low Income Housing Coalition. A one-bedroom apartment also is out of reach in most states for a minimum wage worker, who would have to work 99 hours weekly to afford rent.

Women with disabilities face multiple obstacles to obtaining education, health care and employment, warns United Nations Secretary-General Antonio Guterres. "Without women's empowerment and gender equality, millions of women will continue to suffer from double discrimination based on both their gender and their disability," he says.

Mark Singer, creator of The Financial Literacy Toolbox, said his research shows employees value having a financial checklist and a cash flow worksheet as part of a financial wellness program. Singer said that it is easier to implement a program for 10 to 20 employees, instead of including everyone at once, and that it is critical to ask people what they want and need.

Companies that want to create a digital culture should also keep employee diversity in mind, according to Melissa Swift of Korn Ferry Hay Group. Andrei Oprisan of Liberty Mutual Insurance added that the key is not just hiring talented computer scientists, but also "if you are creating the right culture with that talent you're attracting."

Recruitment-software algorithms are useful tools but shouldn't be relied upon too much, says Mary Barroll, president of TalentEgg, as some applicants know how to manipulate algorithms. Similarly, she says, chatbots can be effective but shouldn't be presented as if they are human.