Earned Wage Access (EWA): A Game Changer for Millennial Tipped Workers

New research reveals that access to earned pay can significantly improve the financial well-being and quality of life for millennial tipped hourly workers.

The poll revealed that (63%) of millennial tipped hourly workers say their overall quality of life would improve with access to earned wage access. And (55%) said they would worry less about expenses with access to earned pay.

The Impact of EWA

Earned wage access empowers millennial tipped workers to take control of their finances, reduce stress, and improve their overall well-being. It's more impactful than many other financial perks.

64% say earned wage access would help their current financial situation.

45% say earned wage access would improve their mental health.

33% say earned wage access would enable them to invest more in their future.

Which of the following would most help your current financial situation?

Weighted Base: 344

Apart from the option you indicated would most help your current financial situation, which of the following would also help your current financial situation?

Weighted Base: 344

Which of the following would help your current financial situation?

Weighted Base: 344

If you had access to your hourly pay when you earned it (i.e., at the end of each shift versus waiting for a scheduled pay day), which of the following statements would be true for you?

If I had access to my hourly pay when I earned it ...

During the 2024 presidential campaign, there were conversations about eliminating federal tax on tips. How familiar are you with this campaign proposal?

The 2024 presidential campaign proposal to eliminate federal tax on tips would mean that tip money earned would be exempt from federal income taxes. How much do you support or oppose the campaign proposal to eliminate federal tax on tips?

If this proposal to eliminate federal tax on tips was passed, how would your financial situation change?

If the proposal to eliminate federal tax on tips was passed I would ...

How confident are you that the new administration will follow through and implement their campaign proposal to eliminate federal tax on tips?

Which of the following best describes your view on how the U.S. economy will perform over the next 12 months?

Survey Methodology

This survey was conducted online within the United States by The Harris Poll on behalf of DailyPay from January 15-21, 2025 among 1,012 U.S. adults ages 18 and older who are employed in the service industry and earn tips for their job, among whom 334 are millennial (ages 29-44) tipped hourly workers.

The sampling precision of Harris online polls is measured by using a Bayesian credible interval.

For this study, the sample data is accurate to within +/- 4.2 percentage points using a 95% confidence level. This credible interval will be wider among subsets of the surveyed population of interest. For complete survey methodology, including weighting variables and subgroup sample sizes, please contact david.schwarz@dailypay.com.

The DailyPay Solution

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