The findings from the in-depth interviews indicate that males and females adopt different perspectives when it comes to retirement planning. Males tend to adopt an individual choice perspective, whereby it is assumed that retirement will be another stage in life which will provide for a lifestyle conducive with their current standard of living. Women, on the other hand, adopt very much a life course perspective, which makes no assumptions or predictions about future life stages, but one that views outcomes as contingent on the circumstances of one’s life