In 2023, the Employees Provident Fund (EPF) revealed that only 4% of Malaysians are financially prepared for a comfortable retirement (New Straits Times, 2024). This study aims to identify the key challenges Malaysians face in preparing for retirement, focusing on factors influencing their retirement confidence. Specifically, it examines how financial knowledge, behavior, attitude, digital financial literacy, resilience, inclusion, and parental influence impact individuals' confidence in their retirement prospects. This quantitative study will use purposive sampling to gather data from working adults in Kuala Lumpur, Selangor, Penang, and Johor, the top four GDP-contributing cities in Malaysia. Self- administered questionnaires will be distributed, targeting 400 valid responses. The collected data will undergo descriptive analysis to understand trends, while hypothesis testing will be conducted using binary logistic regression, where the dependent variable is the level of retirement confidence (high or low). Retirement confidence reflects individuals’ belief in having sufficient savings, investments, and income to retire comfortably without the need to work. The insights from this study aim to inform policymakers, the financial sector, and the broader society, helping them develop strategies to address retirement challenges and improve retirement preparedness among Malaysians.