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Sirinukulwatana, S. 2021. A Personal Financial Management Guideline for Effective Retirement Plan of Employees of Rajabhat University. Journal of Management Science Nakhon Pathom Rajabhat University. 8, 1 (Jun. 2021), 216-231. DOI:https://doi.org/10.14456/jmsnpru.2021.17.