Data from the National Longitudinal Survey of Older Men are used to examine factors associated with financial adequacy for retirement. Bivariate and multivariate analyses show that being white, a longer planning horizon, planning to retire at age 65 or later, and owning assets are positively associated with the accumulation of financial resources adequate to maintain the preretirement level of consumption throughout the retirement years. The importance of planned retirement age to financial adequacy for retirement is confirmed. KEY WORDS: income adequacy, life cycle model, National Longitudinal Survey, retirement needs, retirement planning

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