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Euronet Worldwide Employees Confront the Fear of Running Out of Money in Retirement

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'To allay long-term financial concerns, Euronet Worldwide 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 Euronet Worldwide 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 Euronet Worldwide, 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 Euronet Worldwide, 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 Euronet Worldwide 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 Euronet Worldwide 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 type of retirement savings plan does Euronet Worldwide offer to its employees?

Euronet Worldwide offers a 401(k) retirement savings plan to its employees.

How can employees of Euronet Worldwide enroll in the 401(k) plan?

Employees of Euronet Worldwide can enroll in the 401(k) plan by completing the enrollment process through the company’s HR portal or by contacting the HR department for assistance.

Does Euronet Worldwide match employee contributions to the 401(k) plan?

Yes, Euronet Worldwide offers a matching contribution to the 401(k) plan, subject to specific terms and conditions.

What is the maximum contribution limit for the 401(k) plan at Euronet Worldwide?

The maximum contribution limit for the 401(k) plan at Euronet Worldwide is in line with the IRS limits, which may change annually.

Are there any vesting requirements for the employer match in Euronet Worldwide’s 401(k) plan?

Yes, Euronet Worldwide has a vesting schedule for the employer match, which employees should review in the plan documents.

Can employees of Euronet Worldwide take loans against their 401(k) savings?

Yes, Euronet Worldwide allows employees to take loans against their 401(k) savings, subject to the plan’s rules and regulations.

What investment options are available in Euronet Worldwide’s 401(k) plan?

Euronet Worldwide’s 401(k) plan offers a variety of investment options, including mutual funds and other investment vehicles, which employees can choose from.

How often can employees change their contribution amounts in Euronet Worldwide’s 401(k) plan?

Employees at Euronet Worldwide can change their contribution amounts on a regular basis, typically during open enrollment or at any time as permitted by the plan.

What happens to the 401(k) savings if an employee leaves Euronet Worldwide?

If an employee leaves Euronet Worldwide, they have several options for their 401(k) savings, including rolling it over to another retirement account or leaving it in the Euronet Worldwide plan, if allowed.

Does Euronet Worldwide provide any educational resources for employees regarding their 401(k) plan?

Yes, Euronet Worldwide provides educational resources and tools to help employees understand their 401(k) plan and make informed investment decisions.

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

Euronet Worldwide offers a Defined Contribution Plan known as the Euronet Worldwide Inc 401(k) Plan. This plan allows employees to contribute pre-tax or after-tax funds towards their retirement, with both employer and employee contributions possible. The plan includes investment options such as Employee Stock Ownership Plans (ESOPs), Savings Plans, and Profit Sharing Plans. Contributions are maintained in individual accounts for employees, and an alternate payee can be assigned a portion of an account balance through a Qualified Domestic Relations Order (QDRO). This plan's flexibility in allowing transfers to tax-qualified accounts like IRAs helps avoid early withdrawal penalties. As of 2022, the plan had total assets amounting to $52,116,351 (QDRO Desk). Eligibility for the plan typically requires one year of service and reaching the age of 21, similar to standard 401(k) plans. However, the employer match rate, vesting schedules, and specific conditions for the plan vary annually. For 2022 through 2024, the employer match is expected to remain around 3%, which is aligned with industry standards (

Restructuring and Layoffs: In 2023, Euronet Worldwide announced a restructuring plan aimed at streamlining its operations. This plan included layoffs primarily affecting its technology and administrative divisions. The company cited the need to improve efficiency and adapt to changing market conditions as key reasons for these changes. The restructuring is part of a broader strategy to enhance profitability and operational agility in a competitive landscape. This news is particularly relevant given the current economic climate, which demands organizations to continuously optimize their operations to maintain financial stability and growth.

Euronet Worldwide offers stock options and Restricted Stock Units (RSUs) to its employees. The company's stock options are typically granted based on performance and tenure. Euronet Worldwide RSUs are generally provided as part of executive compensation packages and are vested over a specified period.

Healthcare Trends: There is no specific industry news that indicates substantial changes to Euronet Worldwide’s healthcare benefits. However, like many companies, they are likely adapting to broader industry trends such as increased focus on mental health support and telemedicine options. Key Healthcare-Related Terms and Acronyms