Abstract
This study examines the determinants of retirement saving behavior among sports lecturers in Vietnam through an extended Theory of Planned Behavior (TPB) framework. Little research has examined the saving behavior of academic professionals, particularly in specialized fields such as sports education. Our research fills this gap by focusing on sports lecturers, a distinct academic group facing unique financial planning challenges. Through a comprehensive survey of 238 sports lecturers across Vietnamese universities, structural equation modeling is applied to analyze how attitudes toward retirement saving, subjective norms, perceived behavioral control, financial knowledge, and perception of risk influence retirement saving behavior. Results reveal that while saving intention and risk perception are the most significant predictors of actual saving behavior, the relationship is insignificantly proven with perceived behavioral control. Financial knowledge demonstrates substantial indirect effects on saving behavior through both attitude and perceived behavioral control pathways. Risk perception exhibits direct effects on saving behavior but not on saving intention.