Self-employment, financial knowledge, and retirement planning
研究发现自雇者与受雇者的金融知识水平无显著差异，但自雇者较少参与改善长期财务健康的金融活动，且对退休前景的信心与受雇者相当，为改善自雇者退休规划不足提供了依据。
The level of self-employed individuals’ financial knowledge holds implications with respect to financial stability, economic welfare, and growth of young enterprises. This study found that self-employed individuals did not differ significantly from employed workers in terms of their financial knowledge. Self-employed workers were less likely than employed workers to be engaged in financial practices that improved their long-term financial health. However, there was no difference in the level of confidence in future retirement prospects between self-employed individuals and their employed counterparts. With the ongoing erosion of social protection systems, this research provides a basis for addressing the issue of relatively poor retirement planning among self-employed workers.