THE LIFE CYCLE THEORY AND PERMANENT INCOME THEORY IN HOUSEHOLD FINANCIAL SUSTAINABILITY. iBAF e-Proceedings, [S. l.], v. 11, n. 1, p. 709–718, 2024. DOI: 10.33102/4a64rk70. Disponível em: https://epibaf.usim.edu.my/index.php/eproceeding/article/view/47. Acesso em: 10 mar. 2025.