1. Ahuvia, A. C., and Friedman, D. 1998. Income, consumption and subjective well-being: Toward a composite macromarketing model. Journal of Macromarketing, 18, 153–168.
2. Aljohani. A. M. and Al-Zalabani. A. H. 2021. Lifestyle factors and quality of life among primary health care physicians in Madinah, Saudi Arabia. Saudi Journal of Biological Sciences. doi:10.1016/j.sjbs.2021.04.087
3. Andrews, F. M., and Withey, S. B. 1976. Social indicators of well-being: America's perception of life quality. New York: Plenum Press.
4. Archuleta, K. L., Dale, A., and Spann, S. M. 2013. College students and financial distress: Exploring debt, financial satisfaction, and financial anxiety. Journal Financial Counseling and Planning, 24(2), 50-62.
5. Bowling, A., and Stenner, P. 2010. Which measure of quality of life performs best in older age? A comparison of the OPQOL, CASP-19 and WHOQOL-OLD. Journal of Epidemiology & Community Health, 65(3), 273–280. doi:10.1136/jech.2009.087668
6. Çakir. G., and Kalkavan. A. 2020. The Relationship Between Healthy Lifestyle Behaviors and Quality of Life: An Analysis on University Students Who are Engaged in Sports and Who are Not.
7. European Journal of Physical Education and Sport Science, 6(5). <https://doi.org/10.5281/zenodo.3885875>
8. Campbell, A., Converse, P. E., and Rodgers, W. L. 1976. The quality of American life. New York: Russell Sage Foundation.
9. Debra S. Dwyer and Hu, J. T. 2000. Retirement Expectation and Realizations: The Role of Health Shock and Economic Factors. Pension Research Council Working Papers 98-18, Wharton School Pension Research Council, University of Pennsylvania. <https://ideas.repec.org/p/wop/pennpr/98-18.html>
10. Diener, E., Horwitz, J., and Emmons, R. A. 1985. Happiness of the very wealthy. Social Indicators Research, 16, 263–274. <https://doi.org/10.1007/BF00415126>.
11. Diener, E., Sandvik, E., Pavot, W., and Fujita, F. 1993. The relationship between income and subjective well-being: Relative or absolute? Social Indicators Research, 28(3), 195–223.
12. Diener, E. 1984. Subjective well-being. Psychological Bulletin, 95(3), 542–575.
13. Di Tella, R., MacMulloch, R. J., and Oswald, A. J. 2001. Preferences over inflation and employment: Evidence from surveys of happiness. American Economic Review, 91(1), 335–341.
14. Diener, E., and Oishi, S. 2000. Money and happiness: Income and subjective well-being across nations. In E. Diener & E. Suh (Eds.), Culture and subjective well-being (pp. 185–218). Cambridge, London: MIT Press.
15. Diener, E., and Fujita, F. 1995. Resources, personal strivings, and subjective well-being: A nomothetic and idiographic approach. Journal of Personality and Social Psychology, 68, 926–935.
16. Drentea, P. 2000. Age, debt and anxiety. Journal of Health and Social Behavior, 41(4), 437-450.
17. Duan, Y., Peiris, D, L, I, H, K., Yang, M., Liang, W., Baker, J, S., Hu, C. and Shang, B. 2021. Lifestyle Behaviors and Quality of Life Among Older Adults After the First Wave of the COVID-19 Pandemic in Hubei China. Frontiers in Public Health 9:744514. doi: 10.3389/fpubh.2021.744514
18. Easterlin, R. 2003. Explaining happiness. PNAS, 10(19), 11176–11183.
19. Employees Provident Fund. 2019. Annual Report 2019 [Online]. Available at: https://www.kwsp.gov.my/annualreport2019/download/en/full.pdf (Accessed: 15 December 2021)
20. Foster, B., Sukono, and Johansyah, M.D. 2022. Analysis of the Effect of Financial Literacy, Practicality, and Consumer Lifestyle on the Use of Chip-Based Electronic Money Using SEM. Viewed on 24 February 2022. <https://doi.org/10.3390/su14010032>
21. Garman, E. T. and Forgue, R. E. 1997. Personal finance (5th ed.). Boston: Houghton Mifflin.
22. Gutter, M., and Copur, Z. 2011. Financial behaviors and financial well-being of college students: Evidence from a national survey. Journal of Family and Economic Issues, 32(4), 699- 714.
23. Hindelang. M. J., Gottfredson. M. R. and Garofalo. J. 1978. Victims of personal crime: An empirical foundation for a theory of personal victimization. Cambridge, MA: Harvard University Press.
24. Ikeda. T., Igarashi. A., Odani, S., Murakami. M. and Tabuchi. T. 2021. Health-Related Quality of Life during COVID-19 Pandemic: Assessing Impacts of Job Loss and Financial Support Programs in Japan. Applied Research Quality Life. https://doi.org/10.1007/s11482-021-09918-6
25. Kim, J., Garman, E. T., and Sorhaindo, B. 2003. Relationships among credit counseling, financial well-being and health. Consumer Interests Annual, 49, 1-12.
26. Ko. H. C., Wang. L. L., and Xu. Y. T. (2013). Understanding the Different Types of Social Support Offered by Audience to A-List Diary-Like and Informative Bloggers. Cyberpsychology, Behavior, and Social Networking, 16(3), 194–199. doi:10.1089/cyber.2012.0297
27. Lunt. P. K., and Livingstone. S. M. 1991. Psychological, social and economic determinants of saving: comparing recurrent and total savings. Journal of Economic Psychology, 12(4), 621–641. doi:10.1016/0167-4870(91)90003-c
28. Mashud. M., Mediaty. M., and Pontoh. G. T. 2021. The Effect of Financial Literature, Lifestyle and Income of Parents on Student Financial Management Behavior. Journal of International Conference Proceedings, 4(3), 256-264.
29. Senasu. K. anf Singhapakdi. A. 2017. Quality-of-Life Determinants of Happiness in Thailand: the Moderating Roles of Mental and Moral Capacities. Applied Research in Quality of Life, 13(1), 59–87. doi:10.1007/s11482-017-9506-y
30. Policastro, Christina N. 2013. Victimization of the Elderly: An Application of Lifestyles/Routine Activities Theory. Doctoral dissertation, Georgia State University. <https://scholarworks.gsu.edu/cj_diss/1>
31. Sekararum. P. C., Wulandari. D. and Narmaditya. B. S. 2020. Financial Literacy and lifestyle among Housewives. In Proceedings of the 2nd International Research Conference on Economics and Business (IRCEB 2018), pages 262-266. DOI: 10.5220/0008786302620266
32. Smith. E. O., Goodwin. S., Ziegler. M. and Greenwalt. K. 2018. Aging and the Art of Happiness: Time Effects of A Positive Psychology Program with Older Adults. OBM Geriatrics, 3(1), doi:10.21926/obm.geriatr.1901029
33. Veenhoven. R. 2011. Happiness: Also Known as "Life Satisfaction" and "Subjective Well-Being." Handbook of Social Indicators and Quality of Life Research, 63–77. doi:10.1007/978-94-007-2421-1_3
34. Veenhoven, R. 1991. Is happiness relative? Social Indicators Research, 24(1), 1-34. < https://www.jstor.org/stable/27520861>
35. Ventegodt. S. and Merrick. J. 2003. Lifestyle, Quality of Life, and Health. The Scientific World Journal, 3, 811–825. doi:10.1100/tsw.2003.60
36. Ventegodt. S., Merrick. J., and Andersen. N. J. 2003. Quality of Life Theory I. The IQOL Theory: An Integrative Theory of the Global Quality of Life Concept. The Scientific World Journal, 3, 1030–1040. doi:10.1100/tsw.2003.82
37. Ventegodt. S., Merrick. J., and Andersen. N. J. 2003. Quality of Life Theory II. Quality of Life as the Realization of Life Potential: A Biological Theory of Human Being. The Scientific World Journal, 3, 1041–1049. doi:10.1100/tsw.2003.83
38. Ventegodt. S., Merrick. J., and Andersen. N. J. 2003. Quality of Life Theory III. Maslow Revisited. The Scientific World Journal 3, 1050–1057. doi:10.1100/tsw.2003.84
39. Ward. S. J., and King. L. A. 2017. Exploring the place of financial status in the good life: Income and meaning in life. The Journal of Positive Psychology, 2017, pages 1-12. doi:10.1080/17439760.2017.1402075
40. Xiao, J.J. 2008. Applying Behavior Theories to Financial Behavior. In 5 (Ed.), Handbook of Consumer Finance Research, pp: 69-82: Springer.
41. Xiao. J.J., Sorhaindo. B. and Garman. E. T., 2006. Financial behaviours of consumers in credit counseling. International Journal of Consumer Studies, 30(2), 108-121.
42. Zaninotto, P., Falaschetti, E., and Sacker, A. 2009. Age trajectories of quality of life among older adults: results from the English Longitudinal Study of Ageing. Quality of Life Research, 18(10), 1301–1309. doi:10.1007/s11136-009-9543-6