“PENGARUH FINANCIAL LITERACY, SPENDING SELF-CONTROL, DAN FEAR OF MISSING OUT TERHADAP PERSONAL FINANCIAL MANAGEMENT”. Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi 25, no. 8 (July 12, 2026). Accessed October 18, 2026. https://journal.cib.institute/index.php/musytari/article/view/1508.