GUMADLAS, Marie Febby. Financial Literacy, Financial Management, and Retirement Planning. International Multidisciplinary Journal of Research for Innovation, Sustainability, and Excellence (IMJRISE), [S. l.], v. 2, n. 9, p. 121–128, 2025. Disponível em: https://risejournals.org/index.php/imjrise/article/view/1409. Acesso em: 6 aug. 2026.