Is it just a matter of time? Why some people plan and others do not

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Differences in planning behaviour can be explained in terms of individual preferences for the past, present or future, or Time Perspective (TP). This project aims to identify why some people fail to plan for retirement using TP as a conceptual framework. Planning for retirement is an economic imperative since sufficient finances reliably predicts retirement adjustment. Despite this, almost one million people currently in the labour force have no retirement plans. The project plans to incorporate recent research showing that TP is stable over time and predicts behaviour into a model explaining propensity to plan. Improvements are anticipated in retirement planning, accumulation of resources for retirement and better adjustment benefiting individuals and policy-makers.