Waga, Cynthia Stella, Florence Memba, and Jane Muriithi. “Financial Behaviour and Retirement Planning in Kenya, Assessing the Role of Self-Control Bias”. European Scientific Journal, ESJ 17, no. 23 (July 31, 2021): 348. Accessed May 1, 2024. https://eujournal.org/index.php/esj/article/view/14509.