LUCAS, Lady Kaela et al. The Effects of Financial Literacy and Spending Behavior on Financial Well-being of Accounting Information Systems Graduates (Valenzuela City): A Quantitative Study. International Journal of Education, Research, and Innovation Perspectives, Philippines, v. 2, n. 5, p. 343–366, 2026. DOI: 10.5281/zenodo.20094180. Disponível em: https://ijerip.erio.org.ph/index.php/articles/article/view/603. Acesso em: 11 may. 2026.