wattanasettanukul polpipat. Guidelines for Promoting Pre-Retirement Financial Planning Using the Six Thinking Hats Theory for Teachers Registered in OBEC Debt Clinic System. pnujrhuso [internet]. 2026 Jan. 15 [cited 2026 Sep. 15];13(1):108-29. available from: https://so05.tci-thaijo.org/index.php/pnuhuso/article/view/282581