Mudzingiri, C., J. W. M. Mwamba, and J. N. Keyser. “Incentivized Time Preferences, Level of Education in a Household and Financial Literacy: Laboratory Evidence”. Journal of Economics and Behavioral Studies, Vol. 10, no. 2(J), May 2018, pp. 103-19, doi:10.22610/jebs.v10i2(J).2220.