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. Estrada-Mejia, C., Meja, D., & Crdoba, P. (2023). Financial literacy and financial well-being: Evidence from Peru and Uruguay. Journal of Financial Literacy and Wellbeing, 1(2), 403-429. doi:10.1017/flw.2023.15

Available on: https://www.cambridge.org/core/journals/journal-of-financial-literacy-and-wellbeing/article/financial-literacy-and-financial-wellbeing-evidence-from-peru-and-uruguay /BD0877469C35B18F047FEC8EE417336B

2. Schindler, K. A., & Cardona, R. J. (2022). The impact of financial education on teachers' financial knowledge. Business Forum, 27(2), 93-121. https://doi.org/10.33801/fe.v27i2.21140

Available on: https://www.redalyc.org/journal/631/63175250005/html/

3. Channeling People Into the Economic Mainstream: Financial Access in Puerto Rico

Available on: https://grupocne.org/wp-content/uploads/2003/07/2004_03_ChannelingPeopleIntoEconomicMainstream_Policy_Brief_FA.pdf

4. Schindler, K. A., & Cardona, R. J. (2023). The impact of financial education on teachers' financial knowledge. Business Forum, 27(2), 93-121. https://doi.org/10.33801/fe.v27i2.21140

Available on: https://revistas.upr.edu/index.php/forumempresarial/article/view/21140/18671

5. Fornero, E., & Lo Prete, A. (2023). Financial education: From better personal finance to improved citizenship. Journal of Financial Literacy and Wellbeing, 1(1), 12-27. doi:10.1017/flw.2023.7

Available on: https://www.cambridge.org/core/journals/journal-of-financial-literacy-and-wellbeing/article/financial-education-from-better-personal-finance-to-improved-citizenship/36663C80F62A7CA310F017343646D5BB