Financial literacy and gender impact retirement planning among young adults in Mexico. The study used a quantitative approach to analyze how financial knowledge and gender influence retirement intentions. Results show that individuals with higher financial knowledge are less likely to rely on passive strategies, while financial behavior and inclusion are linked to active planning. Gender also plays a significant role in retirement planning. This research provides valuable insights for institutions focusing on saving, investment, and retirement in Mexico, highlighting the importance of making informed decisions to avoid social costs associated with poor retirement planning.