An examination of individuals attitudes and behaviors in the process of financial preparation for retirement

This study aims to examine the attitudes and behaviors exhibited by individuals during the financial preparation process for retirement. A literature review was conducted to establish the theoretical framework of the study. In the data collection phase, a questionnaire was designed using demographic questions, a financial preparedness scale for retirement, a financial attitude scale, and a financial behavior scale, and was administered to 537 individuals who are currently active in the workforce. The study analyzed the relationships among individuals' financial preparedness for retirement, financial attitudes, and financial behaviors, and whether these relationships differed based on demographic variables. The analysis revealed that these variables did not differ significantly according to demographic factors. The study employed a quantitative research design and used statistical techniques such as correlation analysis, t-tests, and ANOVA tests to analyze the data obtained through surveys. The results demonstrated that individuals' financial preparedness for retirement is significantly influenced by their financial attitudes and behaviors. It was found that gender, age, marital status, and monthly income level significantly affected individuals' financial preparedness for retirement. Moreover, variables such as education level and work experience led to significant differences in financial behaviors. The findings indicate that financial preparedness for retirement is not merely a function of knowledge; instead, factors such as decision-making skills, risk perception, and planning habits play a critical role in shaping financial behavior. Accordingly, it is understood that financial education policies should go beyond simple knowledge transfer and include content that supports the development of individuals' attitudes and behaviors. Keywords: Retirement, Financial Preparedness Process, Financial Attitude, Financial Behavior