Chanapai , A., and พฤกษ์อำไพ ส. “FACTORS AFFECTING PERSONAL FINANCIAL PLANNING FOR RETIREMENT OF THE PEOPLE OF GENERATION Y”. Thai Interdisciplinary and Sustainability Review, vol. 11, no. 2, Jan. 2023, pp. 199-08, https://so03.tci-thaijo.org/index.php/JIRGS/article/view/262712.