The study aimed to moderating role of gender and generational cohorts with the relationship between financial practices and retirement preparedness among public school teachers. Specifically, it sought to answer on level of financial practices such as Saving practices, Expenditure Practices, Debt practices and Investment practices, and its relations to level of retirement preparedness of teachers in terms of Future expectation, Financial planning and Savings behavior. This study is descriptive-correlational research with adapted questionnaire employed to gather data from respondents. The statistical methods employed were frequency, Mean, Standard Deviation, Pearson r and moderation analysis. Findings revealed a significant relationship between financial practices and retirement preparedness however no significant moderation effect was found between gender and generational cohorts.