Hershey, D.A.

retirement planning dutch american level model future future time perspective pension saving knowledge difference worker perspective savings adequacy hershey retirement planning activity income individual study clarity variable netherland planning activities adequacy retirement goal clarity score goal clarity finding household country american workers dutch workers analysis behavior retirement planning activities gender scale mowen journal percent influence measure effect regression system predictor institute psychology beta weights henken household income years theory investigation state research education decision group sample weight tendency responsibility future orientation neukam jacobs-lawson planning activity level contribution analyses paper policy respondent structure beach process figure extent personality program