SPENDING HABITS OF GEN Z: HOW FINANCIAL LITERACY, LIFESTYLE, AND SELF-CONTROL SHAPE CONSUMER BEHAVIOR IN YOGYAKARTA. Business, Accounting and Management Journal, [S. l.], v. 3, n. 01, 2025. Disponível em: https://journal.tescopublisher.com/index.php/bamj/article/view/26.. Acesso em: 2 feb. 2026.