The study looked at how well people in Kenya understand money matters and save for retirement. They used data from a survey in 2016 and found that those who know more about finances are more likely to save regularly and save for retirement. Women, less educated individuals, rural residents, and lower-income households tend to have lower financial knowledge. Surprisingly, there was no difference in saving habits between rural and urban areas or between men and women. The researchers also found that being close to a public secondary school can help improve financial literacy and increase retirement savings.