Dr. Pooja Puri,Dr. Varsha Sharma,Gurpreet Kaur,. “Financial Behaviour and Savings Decisions of the Working Class: An Empirical Study in Amritsar City”. European Economic Letters (EEL), vol. 15, no. 3, Dec. 2025, pp. 4228-44, doi:10.52783/eel.v15i3.3981.