i need a annotated bibliograpghy for each source in the files and each bullet point is answered in a paragrapgh for the annotated bibliograpghy that focuses on the topic at the bottom. According to M

https://permanent.fdlp.gov/gpo131331/savings-investing-for-students.pdf

https://www.investopedia.com/articles/03/082703.asp

https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6443156/

https://www.moneycrashers.com/psychology-of-money-saving-spending-habits/

https://lib.dr.iastate.edu/cgi/viewcontent.cgi?article=1863&context=rtd

https://www-sciencedirect-com.ez-proxy.brooklyn.cuny.edu/science/article/pii/S0268401214001030

https://go-gale-com.ez-proxy.brooklyn.cuny.edu/ps/i.do?p=AONE&u=cuny_broo39667&id=GALE%7CA63847095&v=2.1&it=r