@article{bibcite_46,
  author = {John Mulvey and Han Hao},
  title = {Setting Realistic Goals for Personal Retirement Planning via Micro{\textendash}Macro Analyses},
  year = {2020},
  journal = {The Journal of Retirement},
  volume = {8},
  number = {2},
  pages = {23{\textendash}38},
  publisher = {Institutional Investor Journals Umbrella},
}