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Texas Roadhouse Employees Confront the Fear of Running Out of Money in Retirement

Healthcare Provider Update: Healthcare Provider for Texas Roadhouse Texas Roadhouse employees typically rely on Blue Cross Blue Shield of Texas (BCBS Texas) for their healthcare coverage. This provider is known for offering a range of health plans, including those that cater specifically to the needs of employees in the restaurant industry. Healthcare Cost Increases in 2026 As we approach 2026, Texas Roadhouse employees may face significant healthcare cost increases, driven largely by anticipated premium hikes in the Affordable Care Act (ACA) marketplace. Preliminary reports indicate that some states could experience rate increases exceeding 60% due to the expiration of federal premium subsidies and rising medical costs. With the possibility of out-of-pocket premiums surging by over 75% for approximately 22 million policyholders nationally, employees must proactively reassess their healthcare budgets and explore options to mitigate potential financial strains as these changes unfold. Click here to learn more

'To allay long-term financial concerns, Texas Roadhouse 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 Texas Roadhouse 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 Texas Roadhouse, 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 Texas Roadhouse, 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 Texas Roadhouse 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 Texas Roadhouse 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 plan does Texas Roadhouse offer to its employees?

Texas Roadhouse offers a 401(k) retirement savings plan to its employees.

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

Texas Roadhouse employees can enroll in the 401(k) plan by completing the enrollment process through the company's HR portal or by contacting HR for assistance.

Does Texas Roadhouse match employee contributions to the 401(k) plan?

Yes, Texas Roadhouse provides a matching contribution to employee 401(k) contributions, subject to certain limits.

What is the eligibility requirement for Texas Roadhouse employees to participate in the 401(k) plan?

Texas Roadhouse employees are generally eligible to participate in the 401(k) plan after completing a specified period of service, typically 60 days.

What types of investment options are available in the Texas Roadhouse 401(k) plan?

The Texas Roadhouse 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles.

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

Yes, Texas Roadhouse employees may be able to take loans against their 401(k) savings, subject to the plan's terms and conditions.

What is the vesting schedule for Texas Roadhouse's 401(k) matching contributions?

The vesting schedule for Texas Roadhouse's 401(k) matching contributions typically follows a graded vesting schedule, which means employees earn rights to the match over time.

How can Texas Roadhouse employees change their contribution percentage to the 401(k) plan?

Texas Roadhouse employees can change their contribution percentage by accessing their account online or by submitting a request through HR.

Are there any fees associated with the Texas Roadhouse 401(k) plan?

Yes, there may be administrative fees and investment-related fees associated with the Texas Roadhouse 401(k) plan, which are disclosed in the plan documents.

Can Texas Roadhouse employees roll over their 401(k) savings from a previous employer?

Yes, Texas Roadhouse employees can roll over their 401(k) savings from a previous employer into the Texas Roadhouse 401(k) plan, following the plan's rollover procedures.