Sandra J. Huston, PhD is a professor and director of the Personal Finance program in the department of Personal Financial Planning at Texas Tech University. Prior to coming to Texas Tech, Dr. Huston was a faculty member and the state extension specialist for personal financial planning at the University of Missouri where she developed personal finance curricula and trained extension personnel to deliver curriculum to a wide variety of audiences. She also consults for The Financial Literacy Group in Washington, DC and has used her research to develop and deliver several college-level personal finance courses. Dr. Huston received a Ph.D. in consumer economics from the University of Missouri-Columbia. Dr. Huston's research interests focus on human capital specifically related to personal finance (financial literacy) and the financial planning process, household use of financial advice, and the impact of financial sophistication on resource allocation within household portfolios. Dr. Huston was the 2013 recipient of the Chancellor's Council Distinguished Research Award and the 2014, 2015, & 2016 winner of the AFCPE® Outstanding Symposium Paper Award. Dr. Huston is the 2017 recipient of the Shauna Schullo Best Teaching Practices Award. She is currently developing her financial health model to illustrate how both functional and perceptual finance impact our financial health.