The authors examined the degree to which workers were engaging in financial, health, interpersonal/
leisure, and work planning for retirement, exploring whether demographic and psychological variables
inhibited or promoted planning in each of these domains. Planning in each domain was influenced by a
unique set of variables. Goals emerged as a consistent and positive predictor of planning. Gender
accounted for health and interpersonal/leisure planning, while work planning behavior was negatively
predicted by income. Time perspective also helped to clarify the amount of retirement planning
undertaken in the financial and interpersonal/leisure domains. Practical implications for designing
retirement interventions are discussed.