International Journal For Multidisciplinary Research

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Planning Behaviors and Retirement Satisfaction Among Retired Teachers in Department of Education, Polomolok East District

Author(s) Ms. Cherry Cula Pescasiosa, Prof. Lenon Villadar Namuag
Country Philippines
Abstract This study examined the retirement planning behaviors and their impact on retirement satisfaction among retired public-school teachers in the Polomolok East District. Using a descriptive-correlational research design, it explored four key planning behaviors—financial literacy, social influence, saving attitude, and goal clarity—and their effect on retirement satisfaction across four dimensions: reasons for retirement, financial well-being, social support, and purpose/independence.
The results showed that the teachers demonstrated strong retirement planning behaviors and high re-tirement satisfaction. The saving attitude was the most significant predictor, strongly correlating with reasons for retirement (r = 0.663) and moderately with financial well-being (r = 0.503). Goal clarity also had a moderate relationship with retirement satisfaction (r = 0.586). However, financial literacy had a weak correlation with financial well-being (r = 0.087), and social influence was notably linked to social support (r = 0.593). Together, the retirement planning behaviors explained 57% of the variance in retirement satisfaction.
The study emphasizes the need for a comprehensive approach to retirement planning, highlighting that while saving habits are crucial for financial security, non-financial factors such as clear goals and so-cial support are vital for overall satisfaction. The study recommends that the Department of Education implement career-stage-specific financial education, mentorship, and goal-setting workshops to better prepare teachers for a fulfilling retirement.
Keywords retirement planning, retirement satisfaction, public school teachers, financial literacy, saving attitude, goal clarity
Field Sociology > Administration / Law / Management
Published In Volume 8, Issue 2, March-April 2026
Published On 2026-03-29
DOI https://doi.org/10.36948/ijfmr.2026.v08i02.72705
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