SULLIVAN, D. H.; ZIEGERT, A. L. The Prevalence and Demography of Insufficient Earnings. Journal of Applied Business and Economics, [S. l.], v. 23, n. 5, 2021. Disponível em: https://articlearchives.co/index.php/JABE/article/view/2337. Acesso em: 10 sep. 2025.