Dr. Michael Gutter is the 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 his PhD is in Family Resource Management from The Ohio State University with a specialization in Finance. Gutter's research focuses on examining how socioeconomic status, financial education, personal psychology, and financial socialization are related to financial behaviors. His outreach focuses on improving financial behaviors by increasing knowledge, skills, and access to services. Gutter's outreach projects include Managing in Tough Times, Florida Saves, Get Checking, Military Family Learning Network, and the Florida Master Money Mentor. His projects focus on enabling access to resources and services as well as improving people's knowledge and understanding about family resource management. These projects have had funding from the Consumer Federation of America and Bank of America. He regularly tweets on personal finance topics under @mikegutter on Twitter.