Grace, Chuck, Adam Metzler, Yang Miao, Longlong Feng, and Alireza Fazeli. “Unveiling the Winning Contribution Patterns for Enhanced Financial Health”. Financial Services Review 32, no. 2 (June 10, 2024): 1–28. Accessed November 23, 2024. https://openjournals.libs.uga.edu/fsr/article/view/3358.