Instant Financial

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Hourly restaurant workers face deep financial strain. 75% are living paycheck to paycheck. But solutions exist.

Instant and the Center for Generational Kinetics conducted a statistically significant, in-depth study evaluating the pressures and perceptions of hourly restaurant workers.

The findings reveal a workforce struggling to get by and a disconnect between what hourly workers want and what leadership provides.

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Download the full Report

Download the 2026 State of Hourly Restaurant Workers Study to understand the financial strain facing frontline restaurant employees and why 61% went without a meal in the past week.

This data-driven report looks at the pressures shaping today’s workforce and what it means for retention, performance, and the future of restaurant operations. Based on a national survey of 750 hourly restaurant and foodservice employees, the report gives restaurant executives a clearer view of worker challenges and how employers can help.

A stacked set of dark blue reports with the word "UNDERSERVED" in bold white letters and pink gradient shapes, resembling a study cover about hourly restaurant workers.

Key Findings:

0 %

of hourly restaurant workers say they are living paycheck to paycheck.

0 %

report skipping more than one meal per week because they could not afford it.

0 %

say company leadership does not understand what it is like to live paycheck to paycheck.

0 %

say they would be likely to stay at a job long term if same-day tips were available.

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“I was running low on food and couldn’t drive to the store because I needed gas, so I walked 2 miles and just bought cheap basics like soup and ramen.”

“I have skipped my minimum payments before on my credit card and I’ve also skipped meals… I’ve also not been able to fill up my car, only a gallon or two at a time.”

“If people are breaking their backs for your company and going home hungry or have no home to go to, it's a failure of leadership.”