There are cycles everywhere in our financial lives. But there’s one cycle to rule them all: Our sleep cycle.

How and when we sleep impacts our work, our finances and even the overall economy. Research says most people need at least seven hours to feel rested the next day. But what happens if you don’t get that amount? 

We spoke to Monica Schrock, who works the late shift at a diner in Los Angeles and Ken Wright, a sleep expert at the University of Colorado Boulder, to find out what happens when work disrupts our sleep cycles.

Wright says that when people work while tired, they make more mistakes, have more accidents and are generally less productive. And sleepy, inefficient workers are costly. 

Tune in using the player above to hear the full interviews.