This cross-sectional study examines age-related differences in retirement goal clarity, attitude toward retirement, and retirement financial behaviour among 641 working individuals (431 males and 210 females) of three age groups: Young Adults (18-39 years), Middle-Aged Adults (40-49 years), and Older Adults (50 years and above), residing in Bodoland Territorial Region (BTR), a socio-economically disadvantaged area in Northeast India. Validated scales were used to assess Retirement Goal Clarity (RGC), Attitude Toward Retirement (ATR), and Retirement Financial Behaviour (RFB). The data were analysed using one-way ANOVA, along with Pearson correlation and multiple linear regression to explore relationships and predictive patterns. Findings revealed significant age-related differences in retirement preparedness among tribal populations in Bodoland, with younger adults exhibiting notably lower levels of clarity in retirement goals, less favourable attitudes toward retirement, and reduced engagement in financial planning activities, compared to their older counterparts. Correlation analysis further revealed that RGC and ATR were both positively associated with RFB, with RGC showing a notably stronger relationship. Regression analysis also confirmed that both psychological variables significantly predicted RFB, with RGC emerging as the more influential predictor. These findings sug gest that psychological and behavioural readiness for retirement develops progressively with age, likely influenced by increasing financial responsibilities and proximity to retirement. However, the consistently lower engagement among younger adults signals a missed opportunity for early intervention. From a policy perspective, these findings underscore the urgent need to introduceculturally sensitive, retirement-focused financial literacy programmes tailored to the unique socio-economic context of tribal regions. These programs should take into account the cultural nuances and specific needs of tribal communities, as they could significantly enhance longterm retirement outcomes. Adopting a life-course approach, beginning with awareness and planning in early adulthood, could foster more proactive financial behaviour, inspiring potential changes in policy and practice.
Retirement Goal Clarity, Attitude Toward Retirement, Retirement Financial Behaviour, Age Differences, Bodoland Territorial Region
