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When survey respondents were asked how they would pay for a costly and unplanned medical bill: ;48% said they would set up a payment plan; ;31% would use general savings; ;28% would rely on credit cards; ;12% would take a hardship withdrawal from their retirement account, with millennials (20%) and Gen Z (16%) more likely to do so than Gen X (6%) or Baby Boomers (3%); Other key findings from Equitable’s survey include: ;37% of Gen Z respondents use platforms like TikTok, Instagram, Reddit and YouTube for benefits information — more than any other generation.

For roles or industries that require specific skill sets or hands-on experience, apprenticeships can be a game-changer.

For Most, It’s Full Speed Ahead Nearly two-thirds of employers (62%) that participated in the survey said they have made no change to their 2026 projected pay budgets, which were first set midway through 2025.

To tackle fears among these employees, reiterate that they’re being asked to use AI tools to deliver stronger value, not to be replaced by them — and for those who are indifferent, set pragmatic expectations for use that help them see how it can impact their results, Tamanini said.

Companies have set up on-site kindergartens or day care centers, allowing newcomers to be near their children as they take on roles as healthcare workers, teachers, programmers and seamstresses.

“Further, [by setting the minimum wage] above $15 in retail, the talent pool opens up to attracting workers in distribution centers and manufacturing plants, forcing other industries to follow suit.”

The company set its minimum wage at $20 in 2020, and raised it again, to $21, last year.

.; “Overarchingly, I see SECURE 2.0 as a material set of enhancements to the original SECURE designed to expand retirement savings access to more Americans — and at a greater rate — in an easy-to-administer fashion for employers,” said Michelle Richter, executive director at the Institutional Retirement Income Council, in New York City.

“Create policies and practices that set boundaries for the person on vacation and standards for their manager and co-workers on what to do when they’re out.”

But the work must begin long before the enrollment season is even set in motion.