Adhikari, Madhav, Dinesh Mani Ghimire, and Sangam Adhikari. “Unveiling Psychological Drivers of Retirement Planning: Mediating Role of Retirement Goal Clarity”. Journal of Emerging Management Studies 3, no. 1 (May 19, 2025): 49–65. Accessed December 8, 2025. https://www.nepjol.info/index.php/jems/article/view/78635.