Purpose: Working in the economics of aging population where much has been researched already, what I can contribute is my innovative way to answer the question: How Australians make retirement decisions? Findings: This paper presents empirical evidences on the effects of gender on retirement decisions: estimates nonparametric intertemporal elasticity of substitution estimation using the Household, Income and Labour Dynamics in Australia (HILDA) Survey. The labour income and pension income gap between genders varies across the status of retirement and the intra-house inequality of retirement wealth distribution varies across genders. Neither males nor females respond strongly to financial incentives, but do to job disutility. Females are more responsive to the age pension than males and less responsive to wages than males. Practical and social implications: The research will improve social security policy design and will help individuals plan for retirement.