The goals of this study were to explore gender differences in the components of financial literacy (financial knowledge, financial attitude and financial behavior) and financial satisfaction, and to explore gender differences in the relationship between financial satisfaction and the financial literacy components. Analyses conducted on a data collected on a large and heterogeneous sample of Croatian citizens (N = 900) showed that men scored higher on some financial literacy variables and were more financially satisfied. Moreover, in the male subsample there were significantly stronger correlations between financial satisfaction and some financial literacy variables (rational financial attitude, self-assessment of financial management and monitoring expenses) when compared to the female subsample. In addition to demographic variables, significant predictors of financial satisfaction in both gender groups were primarily financial behaviors. Financial attitude component explained additional financial satisfaction variance for men but not for women. Financial knowledge as the third component was not a significant predictor of financial satisfaction for either gender.

One of the most pressing concerns in the EU nowadays seems to be the impact of ageing population on the economy. In Croatia the problem is even more pronounced considering that a significant proportion of workforce leaves the labor market before the legal retirement age. One of potential reasons for early retirement might be the quality of working life (QWL) among older employees. Aim of our study was to explore QWL among older Croatian workers by comparing them to younger Croatian workers and their EU peers. Using the data from the 6th European Working Conditions Survey conducted during 2015 on over 30 000 participants, we compared the QWL of Croatian workers older than 50 with younger workers and their peers from well-established market economies of Western Europe and transitional Central and Eastern European countries. Research showed that older workers in Croatia perceive their QWL lower than younger Croatian workers and their peers from other EU countries (especially economic security and autonomy in work). We believe that these findings are, at least partially, the reason for their early retirement.

Ključne riječi: mirovinske reforme, razina mirovina, primjerenost mirovina.1 Voditelj projekta i urednik studije bio je Danijel Nestić s Ekonomskog instituta u Zagrebu, a na izradi projektne studije još su sudjelovali: Željko Potočnjak, Vlado Puljiz, Ivana Rašić Bakarić, Sandra Švaljek, Iva Tomić, Maja Vehovec i Ivana Vukorepa.

TEO MATKOVIĆIzvorni Ključne riječi: visoko obrazovanje, državna fi nancijska pomoć, školarine, troškovi studentskog života, socioekonomski status, Hrvatska.• Maja Vehovec, Ekonomski institut, Zagreb /The Institute of Economics, Zagreb, Trg J.F. Kennedyja 7 p.p. 149, 10 000 Zagreb, Hrvatska/Croatia, mvehovec@eizg.hr 1 Ovaj rad je nastao u okviru istraživanja na projektima Pokazatelji socijalne kohezije i razvoj hrvatskoga socijalnog modela (066-0661686-1432) i Socioekonomski aspekti nezaposlenosti, siromaštva i društvene isključenosti (002-0022469-2462), provođenih uz potporu Ministarstva znanosti, obrazovanja i športa Republike Hrvatske.216 Rev. soc. polit., god. 17, br. 2, str. 215-237, Zagreb 2010. Matković T., Tomić I., Vehovec M.: Efi kasnost nasuprot dostupnosti?

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