DETERMINATION OF FACTORS AFFECTING FINANCIAL BEHAVIOR IN RETIREMENT
Retirement is an important milestone in terms of society, determining the transition from middle age to old age in human life. This transition symbolizes the transition from productive maturity to unemployment and is characterized by a number of problems of aging and social and economic distortions. With this research, it is important to identify factors of financial behavior of retired persons and to find solutions to their problems to increase the quality of life at retirement. With this study; it is aimed to determine how socio-demographic factors (age, gender, marital status, educational status, occupational status, working status, number of children, housing ownership, general health status, income status, income sufficiency), life satisfaction and financial satisfaction affect the financial behavior of the retired persons. The survey was conducted with a questionnaire collected in face-to-face interviews with 45-year-old and 490 adult retired individuals in Cebeci, Kurtuluş and Ayrancı districts selected by simple random method from the districts of Ankara province Çankaya district in Turkey. 61.0% of the retired persons surveyed are male and 39.0% are females. 72% of the pensions participating in the survey were married. When the education level is examined, it is found that the vast majority (74.7%) have high school and below education level. The total variance, which determines the effect of socio-demographic factors on financial behavior in pensions, together with financial satisfaction and life satisfaction, was found to be 30%. The most important factor affecting financial behavior in retirement is financial satisfaction (ß = 0.442) while other factors are gender (ß = -0,174), marital status is single (ß = -0,172) 0,122) and housing property belonged to retirement (ß = 0,109) (p <0,05).

Keywords
Retirement, Financial Behavior, Financial Behavior In Retirement.