This study examine the differences in challenges and faced by retired men and women civil servants and coping strategies in Rivers State. Ex-post facto-design was adopted for the study. Four research questions and four hypotheses guided the conduct of the study. The population of the study consisted teachers from 2010-2016. Sample of 960 retried public secondary school teachers chosen for the study through purposive sampling technique. An instrument titled “Retirement challenges and coping strategies scale” (RCCSS) was used and independent t-test was used for data analysis at 0.05 alpha level. The findings of the study are that financial difficulty constituted a major challenge faced by retired civil servants: there is significant difference in the level of stress and financial difficulties faced by retired civil servants; retired men and women civil servants differ in the use of problem-focused and emotion-focused coping strategies etc. Based on the findings, five (5) recommendations were made among which is that government should prioritize the payment of retirees’ pension and gratuities in the country to enable them meet their financial obligations of the family members and others.