Financial Literacy and Individual Financial Planning Effectiveness: An Analysis from A Kenyan Perspective. Journal of Advanced Multidisciplinary Studies (JAMS), [S. l.], p. ABSTRACT No 12, 2026. Disponível em: https://jamsjournal.org/JAMS/article/view/financial-literacy-and-individual-financial-planning-effectivene. Acesso em: 21 sep. 2026.