This study investigates how household structure and financial capability shape retirement readiness among U.S. adults. Using nationally representative data from the 2021 FINRA National Financial Capability Study (N=18,022), we examine dual-income households without children (DINKs) and with dependent children (DIWKs), focusing on whether child-rearing obligations, financial literacy, attitudes and behaviors, financial control, anxiety, and health predict planning for retirement. Weighted logistic regression shows that retirement readiness—defined as calculating savings needs—is most strongly associated with higher financial literacy, positive financial attitudes and behaviors, and greater financial control. DIWK-dependent households are modestly more likely to plan than singles or DINKs, while women, younger adults, and lower-income/education groups are less likely to do so. Race-based differences were limited, though financial control operated differently for Asian households. Findings highlight the importance of targeted financial education, behavior-focused interventions, and culturally responsive approaches to enhance consumer and family economic well-being.

Accepted Oral Presentation