Long-term retirement accounts are increasingly serving as sources of emergency funds as American workers confront rising costs and persistent financial anxiety, according to multiple recent studies.

Surveys from Allianz Life Insurance, Payroll Integrations and F&G Annuities and Life show Americans cutting back on retirement contributions and tapping savings meant for later life to cover immediate needs, even as financial markets reached record highs in 2025.

In Allianz Life’s Q4 2025 Quarterly Market Perceptions Study, 51% of respondents said they had stopped or reduced retirement savings in the previous six months because of economic conditions.

Nearly as many (47%) said they had details ⇒

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