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@article{174388,
        author = {Ansita Singh and Harshali Shinde and Ganesh Chavan},
        title = {THE INFLUENCE OF FINANCIAL LITERACY ON RETIREMENT PLANNING AND WEALTH  SECURITY},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {11},
        number = {10},
        pages = {3513-3528},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=174388},
        abstract = {A research investigation examined the effects of Financial Literacy on retirement planning together with wealth security. This research undertakes a financial literacy assessment in pension development processes accompanied by an examination of long-term financial security maintenance. Personal financial skills along with knowledge determine how much people can save and invest and handle their resources when they retire. Financial literacy consists of comprehending and applying numerous financial principles yet exceeds money management through saving and investment to involve the duty of making knowledgeable choices including mortgage discussions with banks alongside savings product analysis. This study investigates the connection between financial literacy and retirement savings behaviour. The paper demonstrates a positive correlation between financial knowledge and successful retirement preparation through its evaluation of multiple data sources. Implementing a substantial understanding of finances leads people towards active retirement planning behaviors that result in both varied financial investments and superior wealth protection. The results demonstrate how essential it is to teach financial education to children from a young age to stop ongoing financial problems and confirm that governments should focus on financial literacy programs.},
        keywords = {Financial Literacy, Financial Planning, Retirement Planning, Wealth Security, savings, financial risk tolerance},
        month = {March},
        }