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<xml><bibliography><APA>Suprawee Sirinukulwatana. (2021) A Personal Financial Management Guideline for Effective Retirement Plan of Employees of Rajabhat University. &lt;i&gt;Journal of Management Science Nakhon Pathom Rajabhat University&lt;/i&gt;, &lt;i&gt;8&lt;/i&gt;(1), 216-231.</APA><Chicago>Suprawee Sirinukulwatana. "A Personal Financial Management Guideline for Effective Retirement Plan of Employees of Rajabhat University". Journal of Management Science Nakhon Pathom Rajabhat University  8 (2021):216-231.</Chicago><MLA>Suprawee Sirinukulwatana. A Personal Financial Management Guideline for Effective Retirement Plan of Employees of Rajabhat University. Faculty of Management Science Nakhon Pathom Rajabhat University.:ม.ป.ท. 2021.</MLA></bibliography></xml>
