Ulya, Z., Syah, I., Alfian, A., Setiawan, M., & Zulhilmi. (2026). Lifestyle Vs Savings: Unveiling the Soft Saving Behavior of Generation Z. Jurnal Manajemen Dan Keuangan, 15(1), 427-445. https://doi.org/10.33059/jmk.v15i1.14186