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Unveiling Financial Wellness Trends in the Workplace

PNC Bank has recently published its third annual Financial Wellness in the Workplace Report, titled What Today's Workers Value Most, Across Generations. This comprehensive report compiles data from over 1,000 U.S. workers and 500 employers to offer unique insights into the financial health and wellness perceptions within today's workforce.

Key Findings from the Survey

The report showcases several noteworthy trends concerning financial wellness, particularly highlighting generational disparities and the evolving expectations of employees towards their employers. One of the most significant findings indicates that, although 68% of workers reported being stressed about their finances, this figure has slightly decreased from 70% in 2024 and 71% in 2023. In contrast, the percentage of employers who believe employees are financially stressed has also dropped significantly, from 78% in 2024 to 69% in 2025.

Generational Perspectives

The survey highlights that financial perceptions vary considerably across generations. For instance, Baby Boomers are feeling more secure, with 48% indicating improved financial conditions compared to the previous year. Among other age groups, 38% of Gen X, 31% of Millennials, and only 18% of Gen Z reported feeling similarly positive about their financial status.

In terms of debt management, a substantial 72% of workers expressed at least some confidence in handling their debt. Interestingly, both Gen Z and Gen X have shown a reduced concern about student loans compared to the previous year, reflecting a shift in attitudes towards debt management.

When discussing retirement confidence, Gen Z leads with 56% feeling confident about reaching their retirement goals, closely followed by Millennials and Boomers at 50%. Conversely, Gen X exhibited the lowest confidence levels at 43%.

Employer and Employee Perspectives

The survey reveals a notable discrepancy between employer perceptions and employee realities regarding retirement readiness. While a solid 78% of employers believe their workforce is prepared for retirement, only 45% of employees concur.

Moreover, an impressive 81% of workers stated they are more likely to remain with employers who provide financial wellness benefits, a notable increase from 78% in 2024. This sentiment underscores the growing importance of financial wellness in employee retention strategies.

Control Over Finances

In light of financial concerns, a concerning 67% of surveyed workers reported living paycheck to paycheck, up from 63% in the prior year. However, many workers are beginning to feel a greater sense of control over their financial circumstances, with 62% expressing this sentiment in 2025 compared to 56% in 2024. Furthermore, 30% of surveyed workers had access to financial planning benefits, a slight increase from 28% the previous year.

PNC's report signifies that as financial wellness becomes increasingly crucial to employees, companies must adapt their offerings to remain competitive and attract top talent. This shift also reveals the necessity for personalized benefits catering to varied generational needs and financial goals. According to Kaley Keeley Buchanan, Senior Vice President at PNC, to successfully attract and retain talent, employers must implement tailored benefits that connect with employees across various life stages.

In conclusion, PNC Bank's findings illuminate the evolving landscape of financial wellness in the workplace, emphasizing the critical role that tailored financial support plays in enhancing employee satisfaction and loyalty. Access the complete report for further insights on financial wellness and employee needs at pnc.com/WorkplaceReport.