References
Abdullahi, A. A. (2002). The Social Forces in Later Life (2nd ed.). Belmont, California. Wards worth. Adenutsi, D.E., (2009). Retirement planning: Conceptualization, challenges and policy options. MPRA Paper No. 29572. Agiobu-Kemmer, L. (2003). Public administration in Africa main issues and selected country studies. Ibadan: Spectrum Books Ltd. Amadi-Njoku, R. (1981). SMEs Examining Financial Successes. Daily Sun. Amune, J.B., Aidenojie, E.O. &Obinyan, O.O. (2015). Management of life after retirement and its implication on retired academic librarians in Edo State, Nigeria. International Journal of Humanities and Social Science, 5(10), 233-241. Amune, J.B., Aidenojie, E.O. &Obinyan, O.O. (2015). Management of life after retirement and its implication on retired academic librarians in Edo State, Nigeria. International Journal of Humanities and Social Science, 5(10), 233-241 Ansong, A., & Gyensare, M.A. (2012). Determinants of university working-students' financial literacy at the University of Cape Coast, Ghana. International Journal of Business and Management, 7(9), 126-133. Asebedo, S.D. & Seay, M.C. (2014). Positive psychological attributes and retirement satisfaction. Journal of Financial Counseling and Planning, 25(2), 161-173. Atchley, R.C. & Barusch A.S. (2004). Social forces and Aging: An Introduction to Social Gerontology. Atchley, R.C. (1988), Social forces and aging (5th ed.). Belmond: Wadswith. Atia, C. (2012). Building a financially literate society for development: the CAMFED Campaign for Female Education model. Research Report Atkinson, A. & Messy, F. A. (2011). Assessing financial literacy in 12 countries: an OECD/INFE international pilot exercise AXIS (2016). Building a financially literate society for development: the CAMFED Campaign for Female Education model. Research Report Brown, M. & Graf, R. (2013). Financial literacy and retirement planning in Switzerland. Advancing Education in Quantitative Literacy, 6 (2) Brown, M. & Graf, R. (2013). Financial literacy and retirement planning in Switzerland. Advancing Education in Quantitative Literacy, 6 (2) Bucher-Koenen, T. & Lusardi, A. (2011). Financial literacy and retirement planning in Germany. Journal of Pension Economics and Finance, 10 (4), 1-27 Buckley, J. (2002). The retirement handbook: A complete planning guide to your future (4th ed.). United States: Harper Collins Publishers Inc. Carter, M.A. & Cook, A. (1995). Adaptation to retirement: Role changes & psychological resources. The Career Development Quarterly, 44(1), 67-82 Eboh, E.C. (2009). Social and Economic Research: Principles and Methods: Enugu: African Institute for Applied Economics. Ekerdt, D. J., Kosloski, K., &DeViney, S. (2000). The normative anticipation of retirement by older workers. Research on Aging, 22(1), 3-22 Ezeani, E.O. (2011). Planning and Managing Post-Retirement Socio-Economic Conditions: A Public Service Perspective. A paper presented at a four-day Training Workshop of Staff of Institute of Management and Technology. Enugu. Fisher, G.G., Chaffee, D.S., &Sonnega, A. (2016). Retirement timing: A review and recommendations for future research. Work, Aging and Retirement, 2(2), 230–261. Foruness, T., Mykletun, R. J., Solem, P. E., de Lange, A. H., Syse, A., Schaufeli, W. B., Gall, T. L., & Evans, D. R. (2000). Preretirement expectations and the quality of life of male retirees in later retirement. Canadian Journal of Behavioral Science, 32(3), 187-197. Gerry, C., Marques, C.S., &Nogueira, F. (2008). Tracking student entrepreneurial potential: Personal attributes and the propensity for business start-ups after graduation in a Portuguese university. Problems and Perspectives in Management, 6(4), 46-54 Ghosheh, N. (2008). Age discrimination and older workers: Theory and legislation in comparative context, ILO Conditions of Work and Employment Series No. 20 Githui, T. & Ngare, P. (2014). Financial literacy and retirement panning in the informal sector in Kenya. International Journalof Education and Research, 2 (1), 1-16. Google Maps Review (2013). Hung, A. A., Parker, A. M. &Yoong, J. K. (2009). Defining and measuring financial literacy. Working Paper Series Huston, S.J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296-316. Ilmarinen, J. (2015). Late career decision making: A qualitative panel study. Work, Aging and Retirement, 1(3), 284-295. Joo, S.H., & Grable, J.E. (2004). An exploratory framework of the determinants of financial satisfaction. Journal of family and economic Issues, 25(1), 25-50. Kim, J. E., & Moen, P. (2002). Retirement transitions, gender and psychological wellbeing: A life–course ecological model. Journal of Gerontology: Psychological Science, 57B, 212- 222. Kim, J. E., Kwon, J., & Anderson, E. A. (2005). Factors related to retirement confidence: Retirement preparation and workplace financial education. Financial Counselling and Planning, 16(2), 77-89. Klapper, L. & Panos, G.A. (2011). Financial literacy and retirement planning: the Russian case. Journal of Pension Economics and Finance, 10 (4), 599-618. Klapper, L., Lusardi, A. & Oudheusden, P. (2015). Financial literacy around the world: Insights from the Standard& Poor’s ratings services global financial literacy survey. Knapp, J. P. (1991). The benefits of consumer education: A survey report [Brochure]. Michigan Consumer Education Centre Latulippe, D. (2004). Effective retirement age and duration of retirement in the industrial countries, between 1950 and 1990, Issues in Social in social protection discussion paper no.2, ILO Social Security Department. Littunen, H. (2000). Entrepreneurship and the characteristics of the entrepreneurial personality. International Journal of Entrepreneurial Behaviour & Research, 6(6), 295-310. Lusardi, A. & Mitchell, O.S. (2011). Financial literacy and retirement panning in the United States. The National Bureau of Economic Research Lusardi, A. & Mitchell, O.S. (2011). Financial literacy and retirement panning in the United States. The National Bureau of Economic Research Lusardi, A. (2015). Financial literacy skills for the 21st century: Evidence from PISA, Journal of Consumer Affairs, 49 (4), 639-659. Lusardi, A., & Mitchell, O.S. (2011). Financial literacy around the world: An overview, Journal of Pension Economics and Finance, 10 (04), 497-508 Matour, S., & Prout, M. F. (2007). Psychological Implication of Retirement in the 21stCentury. Journal of Financial Service Professionals. 61 (1), (pp. 57-63). Miller, H. (1977), Help for those facing retirement, Modern Maturity, XX August/September, 7 Mireku, K. (2015). Financial literacy among University students: evidence from Ghana (Doctoral dissertation, Department of Accounting and Finance, Kwame Nkrumah University of Science and Technology). National Population Commission (2006). Nigeria Demographic and Health Survey 2007). Abuja: NPC Federal Republic of Nigeria. Nierderfrank, E.J. (1980). Preparing for retirement. Corvallis: EvlonNiederfrank Publishing. Noone, J. H. (2010). Psychological and socio-economic factors influencing men and women’s planning for retirement (Unpublished Doctorial Thesis). Massey University. Turitea, New Sealand. O’Neill, B., Sorhaindo, B., Xiao, J. J., & Garman, E. T. (2005). Financially distressed consumers: Their financial practices, financial well-being, and health. Financial Counselling and Planning, 16(1), 73-87. Ode, T. A. (2005): Counselling for Retirement Adjustment: Conference Proceedings for the 28th Annual Conference of the Counselling Association of Nigeria, 3-11. Oisclair, D., Lusardi, A. & Michaud, P. (2015). Financial literacy and retirement planning in Canada. Journal of Pension Economics and Finance, 16 (3), 277-296 Onoyas, A. (2013). Financial planning strategies towards retirement as perceived by potential retirees in Universities in the Niger Delta, Nigeria, International Journal of Business and Social Science. 4(14): 2-8. Petters, J. & Asuquo, P. (2008), “Work-role attachment