The article examines retirement concerns and financial literacy in Brunei. Researchers interviewed government employees to understand how financial knowledge affects retirement worries. Younger employees are more financially literate but focus on buying homes instead of saving for retirement. Knowing how much to save for retirement reduces worries and having financial advice helps in planning. The study suggests policymakers improve financial advice quality and educate people on retirement savings. This research is valuable for countries with similar retirement systems and can help individuals plan better for their future.