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Autodesk Employees Confront the Fear of Running Out of Money in Retirement

Healthcare Provider Update: Healthcare Provider for Autodesk Autodesk primarily offers healthcare benefits to its employees through various insurance providers. The specific providers can vary based on location and employee choice, but notable insurers often include UnitedHealthcare, Anthem Blue Cross Blue Shield, and Kaiser Permanente. These companies typically provide a spectrum of health plans including but not limited to HMO, PPO, and high-deductible plans that align with the company's wellness initiatives and employee health needs. Potential Healthcare Cost Increases in 2026 Healthcare costs are projected to rise significantly for Autodesk employees in 2026, largely influenced by steep increases in Affordable Care Act (ACA) premiums. As various states anticipate rate hikes that could exceed 60%, the expiration of enhanced federal subsidies could further exacerbate this situation, leading to average premium increases of more than 75% for many enrollees. Coupled with ongoing inflationary pressures in the healthcare industry-such as rising costs for medical services and high-priced pharmaceuticals-these factors are likely to result in a financially challenging landscape for employees as they navigate their health insurance options. Strategic planning will be vital for employees to manage these rising costs effectively. Click here to learn more

'To allay long-term financial concerns, Autodesk employees may benefit from a comprehensive retirement strategy that addresses inflation, health care costs, and tax planning.' – Michael Corgiat, a representative of The Retirement Group, a division of Wealth Enhancement.

'Proactive retirement planning—especially around inflation, health care, and shifting tax policies—can help Autodesk employees gain clarity and reduce uncertainty in the years leading up to retirement.' – Brent Wolf, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article we will discuss:

Key causes of retirement anxiety, including inflation, health care, and taxes.
Generational differences in money concerns and readiness.
The value of broad retirement planning approaches.

Retirement Anxiety is On The Rise

Employees across industries, including those at Autodesk, have long worried about how they will fund retirement. These concerns have grown considerably in today’s economy. Nearly two out of three Americans (64%) said they worry more about outliving their resources than they do about dying, according to the Allianz Center for the Future of Retirement’s 2025 Annual Retirement Study. ¹

Main Causes of Retirement-Related Worry

The Allianz study lists several key triggers of these fears. Regarding long-term planning, 54% of respondents said inflation was their top worry. Increases in health care costs, housing, and food prices are still undermining people’s purchasing power.

Concerns around Social Security’s future and tax burdens are also high. 43% said they feared Social Security might not offer adequate support. And another 43% named high taxes as a major issue.

Generational Gaps in Money Stress

Gen X—often balancing care for both kids and aging parents—report the highest worry: 70% versus 66% of millennials and 61% of boomers. Among corporate workers, including those at Autodesk, this dynamic underlines how family obligations can magnify retirement concerns.

The Gap Between Worry and Action

The survey shows a gap between concern and conversation: just 23% of respondents have talked about outliving their assets with a retirement specialist, down from 28% in 2024. ² That said, Americans are considering several strategies to allay these fears, ranking the following approaches as most helpful:

41% said cutting current spending to funnel more toward retirement 
44% said increasing retirement contributions 
39% said postponing retirement
While increasing contributions to retirement accounts could help address these concerns, barriers remain: daily necessities (63%), credit card debt (40%), mortgage or rent (35%) were top reasons people weren’t contributing more.

The Emotional Side of Retirement Anxiety

Retirement fears influence not just finances, but lifestyle, career choices, and family planning. Worries about independence, dignity, and quality of life often accompany fear of running short on funds.

Health care need are often underestimated too, complicating the equation. Medicare covers many basic services, but long‑term care, home assistance, and uncovered treatments can add large bills—adding uncertainty even for high‑income employees.

Broader Retirement Planning Matters

The Allianz findings emphasize planning well beyond just saving. With people living 25 to 30 years post‑work, a solid planning mindset is critical. As Kelly LaVigne, VP at Allianz Life, noted, “Americans areliving longer… your money needs to go farther. A good plan considers 25 to 30 years of retirement, not just the first ten.” ²

Key components often include:

Income strategies: setting up regular monthly disbursements from assets
Tax planning: reducing tax burdens on withdrawals
Health care planning: factoring in Medicare gaps and long‑term care
Inflation alignment: keeping income responsive to cost increases

Combined, these strategies can help build resilience, confidence, and preparedness even in uncertain times.

In Conclusion

The 2025 Allianz Retirement Study makes it clear: a majority of Americans—and Autodesk employees among them—see the threat of running out of money as more frightening than death. Rising inflation, health care spending, and uncertainty around Social Security are central drivers. Fewer are taking direct action through planning conversations or boosted contributions.

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Yet there is opportunity. The IRS now permits catch‑up 401(k) contributions of up to $11,250 for those aged 60–63 in 2025—above the standard limit. For many, this is a practical way to fortify resources in those final working years.

A Final Thought

Think of retirement like a long sea voyage. Death may be the storm ahead, but empty savings are the leak that can sink the ship first. According to the Allianz study, 64% of Americans fear that leak more than the storm. For Autodesk employees, the goal is to build a well-structured plan—with consistent income, planning for health costs, and tax awareness—that can keep the vessel afloat for the long haul.

Sources:

1. Allianz Life Insurance Company of North America, ' How Americans feel about retirement in 2025 ,' by the Allianz Center for the Future of Retirement ^TM , June 2025.

2. businesswire, ' Americans Are More Worried About Running Out of Money Than Death ,' April 22, 2025.

What is Autodesk's 401(k) plan?

Autodesk's 401(k) plan is a retirement savings plan that allows employees to save a portion of their paycheck before taxes are taken out, helping them to build a nest egg for retirement.

How can Autodesk employees enroll in the 401(k) plan?

Autodesk employees can enroll in the 401(k) plan through the company’s HR portal or by contacting the HR department for assistance.

Does Autodesk offer a company match for its 401(k) contributions?

Yes, Autodesk offers a company match for employee contributions to the 401(k) plan, which helps employees boost their retirement savings.

What is the maximum contribution limit for Autodesk's 401(k) plan?

The maximum contribution limit for Autodesk's 401(k) plan aligns with IRS guidelines, which may change annually. Employees should check the latest limits on the IRS website or consult HR.

Can Autodesk employees change their contribution percentage at any time?

Yes, Autodesk employees can change their contribution percentage at any time, typically through the HR portal or by contacting HR.

What investment options are available in Autodesk's 401(k) plan?

Autodesk's 401(k) plan offers a variety of investment options, including mutual funds, stocks, and bonds, allowing employees to choose based on their risk tolerance and retirement goals.

When can Autodesk employees start withdrawing from their 401(k) plan?

Autodesk employees can start withdrawing from their 401(k) plan at age 59½, but there are specific rules and potential penalties for early withdrawals.

Does Autodesk provide financial education resources for employees regarding their 401(k)?

Yes, Autodesk provides financial education resources and workshops to help employees understand their 401(k) options and make informed decisions about their retirement savings.

What happens to Autodesk employees' 401(k) accounts if they leave the company?

If Autodesk employees leave the company, they have several options for their 401(k) accounts, including rolling over the funds to a new employer's plan or to an individual retirement account (IRA).

Can Autodesk employees take loans against their 401(k) savings?

Yes, Autodesk allows employees to take loans against their 401(k) savings, subject to certain terms and conditions outlined in the plan.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.

This news is significant due to the ongoing economic volatility, which has prompted companies to streamline operations and cut costs. The shift to a subscription model reflects broader trends in the tech industry toward recurring revenue streams, essential for investors to monitor. Additionally, understanding the impact on employment and the company's strategic direction is crucial for stakeholders navigating the current tax and political environment (TheLayoff.com) (3DPrint).

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For more information you can reach the plan administrator for Autodesk at 111 McInnis Pkwy San Rafael, CA 94903; or by calling them at +1 415-507-5000.