K., S. .; P., I. .; P., C. . Exploring the impact of financial behavior on retirement financial planning: The moderating role of financial literacy. International Journal of Innovative Research and Scientific Studies, [S. l.], v. 8, n. 6, p. 740–747, 2025. DOI: 10.53894/ijirss.v8i6.9673. Disponível em: https://www.ijirss.com/index.php/ijirss/article/view/9673. Acesso em: 5 dec. 2025.