Abstract
This study examines employees' financial management mindset and retirement readiness with an emphasis on cost of living management, money management, digital financial practices, and debt management in addition to retirement readiness in terms of sufficient financial resources, a sustainable lifestyle, and debt-free management. Using a descriptive-correlational design, the results show that respondents have a sound financial mindset, which is typified by responsible use of digital financial tools, cautious borrowing, and disciplined budgeting. These actions result in a high degree of retirement readiness, particularly in terms of preserving desired lifestyles, reducing debt, and preserving financial stability. Nonetheless, there is comparatively minimal investment and income diversification activity. The study, which has its roots in retirement planning and financial literacy, emphasizes how crucial it is to improve strategic financial planning. All things considered, having a proactive financial mindset greatly enhances long-term stability and retirement preparedness.
Keywords
Employees, Financial Management, Mindset, Preparedness, Retirement
Citations
IRE Journals:
Christian Emannuel R. Allas, Elisa C. Cristobal, PhD "Financial Management Mindset and Retirement Preparedness of Employees" Iconic Research And Engineering Journals Volume 9 Issue 10 2026 Page 759-767 https://doi.org/10.64388/IREV9I10-1716126
IEEE:
Christian Emannuel R. Allas, Elisa C. Cristobal, PhD
"Financial Management Mindset and Retirement Preparedness of Employees" Iconic Research And Engineering Journals, 9(10) https://doi.org/10.64388/IREV9I10-1716126
About IRE Journals
IRE Journals is an open access online journals established with an aim to publish high quality of research work in various diciplines. We have more than 6 years in publications. Over 2500+ papers already published.
Important Links
For Authors
Volume 8:
Issue 1, Issue 2, Issue 3, Issue 4, Issue 5, Issue 6, Issue 7, Issue 8, Issue 9, Issue 10, Issue 11, Issue 12Volume 7:
Issue 1, Issue 2, Issue 3, Issue 4, Issue 5, Issue 6, Issue 7, Issue 8, Issue 9, Issue 10, Issue 11, Issue 12Volume 6:
Issue 1, Issue 2, Issue 3, Issue 4, Issue 5, Issue 6, Issue 7, Issue 8, Issue 9, Issue 10, Issue 11, Issue 12Volume 5:
Issue 1, Issue 2, Issue 3, Issue 4, Issue 5, Issue 6, Issue 7, Issue 8, Issue 9, Issue 10, Issue 11, Issue 12Volume 4:
Issue 1, Issue 2, Issue 3, Issue 4, Issue 5, Issue 6, Issue 7, Issue 8, Issue 9, Issue 10, Issue 11, Issue 12Volume 3:
Issue 1, Issue 2, Issue 3, Issue 4, Issue 5, Issue 6, Issue 7, Issue 8, Issue 9, Issue 10, Issue 11, Issue 12