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Tracy Joan Reid and Kesar 2026. Determinants of Financial Prudence among the young Adults in Bihar’s Tier 1 City: An Empirical Study on Savings Behavior and Gender Dynamics. International Journal of Innovations in Science, Engineering And Management. 5, 1 (May 2026), 118–123. DOI:https://doi.org/10.69968/ijisem.2026v5Si1118-123.