HERNÁNDEZ, A.; GALINDO, F.; LÓPEZ, J.; SALAS, F. Saving With Gusto. Journal of Applied Business and Economics, [S. l.], v. 22, n. 13, 2020. Disponível em: https://articlearchives.co/index.php/JABE/article/view/1731. Acesso em: 9 oct. 2025.