Michael conducts research into factors that influence financial behaviors. He is particularly interested in how financial education and financial socialization are related to financial decision making. His goal is to help families achieve financial security.
Michael is an Associate Professor and Family Economics State Specialist for the Department of Family, Youth, and Community Sciences in the University of Florida’s Institute for Food and Agricultural Sciences. Michael coordinates interactive learning programs for eXtension’s personal finance resource area, also know as the Financial Security for All community of practice. He also develops educational programming for the Military Families Learning Network.
Michael holds a Ph.D. in Family Resource Management with a specialization in Finance from The Ohio State University. His bachelor’s degree is in Family Financial Management from Ohio State.
Michael has authored numerous publications for academic journals, conference proceedings, as well as Extension publications targeted to consumers. He also teaches a number of courses in personal and family financial management at the University of Florida.
Michael has secured a number of grants to support his research and outreach efforts including support from the FINRA Foundation and the National Endowment for Financial Education (NEFE).
Michael is currently serving as President of the Florida Jump$tart Coalition and is on the Board of Directors of the Association for Financial Counseling and Planning Education. He also serves on the editorial boards for several academic journals.
Michael Gutter, Ph.D.
University of Florida