Regrading a rapid ageing population in Thailand, its effect will impact to labor participation by creating labor shortage and harming economic growth respectively. As a trend of being self-employed tends to increase significantly in near future (Arayavechkit, et.al. 2015), it raises a concerning of saving for retirement due to lacking of social security and pension funds. Therefore, it becomes a self-employed responsibility to decide their planning and save for retirement by themselves in order to meet retirement well-being. Since financial ...