Taking this topic into consideration: Personal finances and financial education: Investigate the levels of financial literacy in different segments of the population of Puerto Rico, identifying gaps and developing financial education programs to promote better management of personal resources.

Elaborate annotated bibliography with these 5 sources. In cases where the citation is not correct, please correct it in APA 7.

1. Information Sources That Influence the Financial Literacy of Puerto Rican College Student

Available on: https://scholarworks.waldenu.edu/cgi/viewcontent.cgi?article=8546&context=dissertations

2. Ruiz-Palomo, D., Galache-Laza, M. T., Cisneros-Ruiz, A. J., & Garca-Lopera, F. (2023). Financial knowledge of pre-university students: Effects of age and gender. Heliyon, 9(4), e15440. https://doi.org/10.1016/j.heliyon.2023.e15440

Available on: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10130210/

3. FINANCIAL LITERACY AND THE IMPORTANCE OF RETIREMENT PLANNING IN PUERTO RICO (2018)

Available on: https://fae.uprrp.edu/cicia/wp-content/uploads/sites/13/2018/02/castro_pii2012.pdf

4. 2023 Fiscal Plan for Puerto Rico A NEW CHAPTER FOR PUERTO RICO As Proposed by the Commonwealth of Puerto Rico January 17, 2023

Available on: https://www.aafaf.pr.gov/wp-content/uploads/2023-Fiscal-Plan-Puerto-Rico.pdf

5. THE NATION'S REPORT CARD EMPOWERING TOMORROW'S GENERATION- THE THIRD EDITION -

Available on: https://www.thenationsreportcard.org/puerto-rico