Rahmawati, Meylin, Mohamad Nur Utomo, and Lendro Kurniawan. “Financial Literacy, Future Orientation, and Retirement Planning: The Mediating Role of Consumptive Lifestyle Among Public Employees”. Jurnal Ekonomika 17, no. 1 (April 28, 2026): 72–84. Accessed October 22, 2026. https://jurnal.ubt.ac.id/index.php/ekonomika/article/view/702.