MANAGING FINANCES EARLY THROUGH FRUGAL LIVING: A SMART AND THRIFTY LIFESTYLE FOR GEN Z. Management Studies and Business Journal (PRODUCTIVITY), [S. l.], v. 2, n. 8, p. 2819–2826, 2025. DOI: 10.62207/kpf6h350. Disponível em: https://journal.ppipbr.com/index.php/productivity/article/view/810.. Acesso em: 16 jan. 2026.