청장년층의 노후준비 재무 교육 경험과 노후생활 목표가 노후준비에 미치는 영향

Due to the increase in life expectancy and changes in household types such as the increase in single-person households, the current young and middle-aged generation has an increased need to take interest in retirement preparation and make systematic preparations from a little earlier than other generations in order to ensure a stable life in old age. This study surveyed and analyzed preparing for retirement among young and middle-aged people in their 20s and 40s living in Gyeongsangnam-do, including those new to society. In particular, the two-part model was used to analyze how the young and middle-aged people's experience with financial education for preparing for retirement and their setting of retirement goals have an impact on their preparation for retirement. As a result of the analysis, in both the first model(whether to prepare for old-age) and the second model(the degree of preparation for old-age), young and middle-aged people's experience(+) with financial education for retirement preparation and three variables were set as a retirement goal(the degree of recognition(+) of the need for economic retirement preparation, the expected retirement age(-), and the expected retirement living expenses(+)) were all statistically significant. However, the age group(+) was statistically significant only in the first model(whether to prepare for old-age), and the ratio of real estate to total assets(-) was statistically significant only in the second model(the degree of preparation for old-age). The suggestion of this study is that young and middle-aged people should be given educational experiences that allows them to establish financial plans for their entire life along with preparing for retirement from the time they start income activities. In addition, it is necessary to provide customized financial education for each goal to strategically prepare for the lifetime by considering and setting goals related to retirement life from the beginning of social life. In addition, as in this study, the government and researchers need to continuously study and monitor the perception and level of preparation for retirement of young and middle-aged people so that they do not repeatedly experience economic difficulties such as poverty among the elderly that the current elderly generation is experiencing.