“Financial Literacy and Management Practices of Public School   Teachers: Implications for an Intervention Plan”. Journal of Advanced Multidisciplinary Studies (JAMS) 1, no. 2 (September 17, 2026): Page 1401–1418. Accessed September 21, 2026. https://jamsjournal.org/JAMS/article/view/financial-literacy-and-management-practices-of-public-school-tea.