Debalucos IC, Polinar MAN. RETIREMENT READINESS UNVEILED: EXPLORING THE LIVED EXPERIENCES AND CHALLENGES OF FINANCIAL CONFIDENCE AMONG COLLEGE INSTRUCTORS IN CEBU’S STATE UNIVERSITY. J. Hum. Soc. Sci. Bus. [Internet]. 2024 Aug. 30 [cited 2025 Oct. 31];3(4):1061-75. Available from: https://ojs.transpublika.com/index.php/JHSSB/article/view/1310