Phuong Lan, L., 		Thi Kieu Oanh, T., & 		Anh, T.
(2026).
 The Impact of Financial Literacy  on Personal Finance Safety Net - Empirical Study in Hanoi.
<em>VNU Journal Of Science: Policy And Management Studies, 42</em>(2).
doi:10.25073/2588-1116/vnupam.4594