Zubir , Nur Sabrina binti, and Khor Lian Peng. 2023. “The Role of Future Time Perspective, Attitude Towards Retirement, and Risk Tolerance Towards Financial Planning Behaviour Among Malaysians: A Quantitative Research Based in Malaysia”. Electronic Journal of Business and Management 8 (S2):42-60. https://doi.org/10.65136/ejbm.v8iS2.200.