Imtiaz Khan, Usman Ali, Muhammad Ashfaq and Muhammad Saeed Ahmad (2026) “Examining the Impact of Future Time Orientation on Financial Wellbeing Among Retail Investors: The Mediating Role of Overconfidence”, International Journal of Emerging Multidisciplinaries: Social Science, 5(2), pp. 510–533. doi: 10.54938/ijemdss.2026.05.2.714.