Jasveen Kaur, Ishma Gupta. “Unraveling the Nexus: Financial Literacy & Personal Finance Dynamics”. European Economic Letters (EEL) 14, no. 3 (September 27, 2024): 1851–1861. Accessed June 22, 2025. https://www.eelet.org.uk/index.php/journal/article/view/1955.