Graham McCaulley is an assistant extension professor with MU Personal Financial Planning Extension. Graham has a BS in Consumer and Family Economics, an MA in Human Development and Family Studies, and a PhD in Human Environmental Sciences at the University of Missouri. He also worked for Personal Financial Planning Extension for seven years on projects related to financial literacy, program evaluation, and consumer finance research/curriculum, with a special focus on the financial challenges of low-income families. Graham is currently on the leadership team for University of Missouri Extension's Health Insurance Education Initiative, which is a statewide educational initiative that ensures Missourians have the resources and skills they need to make informed health insurance decisions. He also coordinates the statewide Take Control of Your Finances program, a basic personal finance class for the newly unemployed.