Michael S. Gutter

Michael Gutter is Associate Dean for Extension - State Program Leader for 4-H Youth Development, Families and Communities for the Institute of Food and Agricultural Sciences at the University of Florida. His BS is in Family Financial Management and my PhD is in Family Resource Management from The Ohio State University. His research uses survey and experimental design to understand the role socioeconomic status, financial education, personal psychology, and financial socialization are related to behaviors such as mortgages, borrowing for education, retirement planning and healthcare decision making. His programs have emphasized creating supportive mechanisms for those who are facing financial burden or challenging economic decisions. His research and outreach projects have been funded by FINRA, Bank of America, National Endowment for Financial Education, Department of Defense, Jessie Ball duPont Fund, and the UF Health Cancer Center.