The greatest financial fears: health care costs, inadequate retirement savings, an IRS audit, and credit card debt. A new survey shows that 31% believe that the rising cost of health care was their client’s biggest problem. Closely trailing health care costs were inadequate retirement savings and an IRS audit, both receiving 29% of the votes. Lastly, credit card debt still poses as a problem for many, receiving 10% of the total. The Texas Society of CPAs poll surveyed 158 employers.