“Investment Decisions in Retirement Planning for Lecturers in Indonesia: Overconfidence and Representativeness Bias”. Jurnal Pendidikan Akuntansi dan Keuangan 13, no. 1 (January 31, 2025): 77–84. Accessed August 4, 2026. https://ejournal-economy.upi.edu/jpak/article/view/124.