Risk is an inherent attribute of every sphere of life. In these times when money is one of the most important tools for meeting the daily needs, the loan is often a way to deal with the costs with which people have to contend. The authors of this article are intended to demonstrate the importance of appropriate risk analysis, which entails borrowing and failure to comply with obligations. Research will be based on the age group of people who will soon retire. The analysis will be based on the study of affluence of individual age groups in relation to debt and on the share of age groups in the total population.