Dr. Jing Jian Xiao is Professor of Family Finance in the Department of Human Development and Family Studies at University of Rhode Island, teaching courses and conducting research in consumer economics and personal finance. He edited and contributed to books such as The Mathematics of Personal Finance and Handbook of Consumer Finance Research. He is the editor-in-chief of Journal of Financial Counseling and Planning, the official research journal of Association for Financial Counseling and Planning Education. He is also editing a book series entitled International Series on Consumer Science. He served as the president of American Council on Consumer Interests, president of Asian Consumer and Family Economics Association, the board member of National Consumer League, among others. He served as consultant and guest speaker for several financial literacy projects sponsored by the U.S. Department of Treasury and National Endowment for Financial Education. He has been invited to give lectures on consumer financial behavior research in China, Japan, South Korea, Taiwan, and other countries/areas. He received his Ph.D. in consumer economics from Oregon State University and M.S. and B.S. in economics from Zhongnan University of Economics and Law.