“…Agency is conceptualized in previous studies as the degree to which we can attribute what we do to ourselves as opposed to societal structures, which may enable or limit our actions (see, e.g., Higgs et al 2003). Previous studies have looked at the role of, for example, education level and physical health (Solem et al 2016), norms, and values (Berglund et al 2017), job satisfaction, job control, organizational practices, and financial incentives (van Oorschot & Jensen 2009) on either retirement outcomes or decisions. They have, in turns, found all of these to be contributing factors in some way.…”