Kaswoto, Junet, Ruci Arizanda Rahayu, Dwiati Marsiwi, and Eko Sudarmanto , trans. “Effects of Financial Planning, Savings Behavior, and Income Level on Retirement Readiness of Millenial Generation”. West Science Accounting and Finance 3, no. 01 (March 28, 2025): 98–106. Accessed December 7, 2025. https://wsj.westsciences.com/index.php/wsaf/article/view/1766.