Nwaomah, Angela, and Sampson M. Nwaomah. “Pre-Retirement Financial Behavior and Preparedness of Seventh- Day Adventist Pastors in Africa: A Study of Graduate Ministerial Students”. Pan-African Journal of Education and Social Sciences 6, no. 3 (April 21, 2026): 124–141. Accessed April 29, 2026. https://journals.aua.ke/pajes/article/view/1347.