INCOME SITUATION AND CONSUMPTION PATTERNS IN RETIREE HOUSEHOLDS

<ns3:p>Income situation and consumption patterns in retiree households are key indicators that help understand how retirees adapt to the financial changes resulting from the end of their professional careers. The aim of this study is to identify and evaluate the income situation and consumption patterns in retiree households. The primary focus is on the level and structure of disposable income, the main and additional sources of income, and consumption patterns, taking into account socio-economic and demographic factors. The study period covers the years 2004–2022. Data from the GUS Household Budget Surveys were used to conduct the analysis. Various simple and multivariate statistical analyses were employed. The results indicate an asymmetric distribution of disposable income. The Gini coefficient indicates the stabilization of income inequality among retirees. Socio-economic and demographic factors, such as household size, education level, and degree of urbanization, significantly influenced income and consumption. The study provides insights into the living standards of retiree households, indicating an improvement in their living conditions, while also highlighting persistent significant disparities.</ns3:p>