Right now, financial wellness feels a bit out of reach for many Americans. An unpredictable economy and rising living costs are forcing many to revisit their long-term savings plans, and more than one-third of employees are leaning on their retirement funds sooner than they had hoped.
According to Payroll Integrations’ 2025 Employee Financial Wellness Report, 38% of employees say they’ve tapped their retirement funds — and a third (33%) plan to do so within the next year. This raises broader concerns about financial stress — especially across younger generations with nearly half (46%) of Gen Z workers reporting they’ve already taken out funds.
