Relevance: in the context of increasing life expectancy and the economic situation in the country and the world, the problem of moderating the correlation between personal and subjective qualities of people of pre-retirement age is becoming increasingly relevant. The purpose of the study is to identify the signifi cance of social and demographic characteristics and self-assessment of the family fi nancial situation which act out as moderators of the correlation between personal characteristics and economic and psychological maturity of pre-retirees. Hypotheses: (1) self-effi cacy, resilience, self-control, and personal fi nancial anxiety have diff erent correlation with the indicators of economic and psychological maturity of the respondents; mediation of self-effi cacy and resilience will be more pronounced than the infl uence of self-control and anxiety; (2) self-assessment of the family fi nancial situation will infl uence this correlation to a greater extent than gender and employment. Participants: 388 people aged 45 to 65 (M = 51.03 ± 3.96; 193 males, 195 females), including 54.9% of the employed respondents. All the respondents live in Russia. Methods (tools): to measure the signs of economic and psychological maturity the Attitudes Towards Economic Activity Questionnaire (by T. V. Drobysheva) was used; the Economic Tolerance Towards Others Scale (by T. V. Drobysheva), the Scale of Financial Autonomy of the Individual (by T. V. Drobysheva, S. V. Tarasov, I. V. Larionov), the Responsibility for Economic Well-being Scale (by T. V. Drobysheva) were used; in order to measure personal and economic-psychological characteristics, the Scale of Financial Anxiety of the Person (by T. V. Drobysheva) was used; a short version of the Resilience Test (by N. Osin), the General Self-Effi cacy Scale (by R. Schwarzer, M. Jerusalem, adaptation by V. G . Romek), the Brief Self-Control Scale (by J. Tangney, R Baumeister, and A. L. Boone, adapted by T. O. Gordeeva and co-authors) were also used. Results: it was revealed that self-effi cacy occupies a central place in the system of personal predictors of the economic and psychological maturity of pre-retirees; the predictive capabilities of resilience and personal fi nancial anxiety are expressed to a lesser extent. The influence of self-control on the indicators of economic and psychological maturity of the respondents is revealed only through the interaction of the moderators. Main conclusions: it is shown that self-effi cacy, resilience, and financial anxiety determine the manifestation level of the indicators of the economic and psychological maturity of pre–retirees including such indicators as economic responsibility, activity, tolerance, and financial autonomy. At the same time, the correlation between such two moderators as gender and self-assessment of the family financial situation reduces the influence of self-efficacy and enhances the influence of the resilience and personal financial anxiety on the manifestation level of the indicators of the maturity under study. Practical significance: the results obtained can be used in the development of training programs for retirement planning and psychological support for pre-retirees in conditions of modern economic development of society.