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<xml><bibliography><APA>Sudarat Tipapong และผู้แต่งคนอื่นๆ. (2026) The Impact of Personal Financial Planning on the Expected Quality of Life after Retirement of Personnel in Public Higher Education Institutions in Thailand. &lt;i&gt;Ph.D. in Social Sciences Journal&lt;/i&gt;, &lt;i&gt;16&lt;/i&gt;(1), e278610.</APA><Chicago>Sudarat Tipapong และผู้แต่งคนอื่นๆ. "The Impact of Personal Financial Planning on the Expected Quality of Life after Retirement of Personnel in Public Higher Education Institutions in Thailand". Ph.D. in Social Sciences Journal  16 (2026):e278610.</Chicago><MLA>Sudarat Tipapong และผู้แต่งคนอื่นๆ. The Impact of Personal Financial Planning on the Expected Quality of Life after Retirement of Personnel in Public Higher Education Institutions in Thailand. Doctor of Philosophy in Social Sciences Association Ramkhamhaeng University:ม.ป.ท. 2026.</MLA></bibliography></xml>
