For Students, Faculty, and Staff: MyU One Stop

Joyce Serido


Associate Professor

Room 299B McNH
1985 Buford Ave
St Paul, MN 55108

Download CV Curriculum Vitae

Areas of Interest

Financial Parenting
Coping with Financial Stress
Family Finances and Young Adults’ Behaviors
Stability and Change in Financial Capability
Financial Behavior and Romantic Relationships

Recent News

Serido helps students and families make better decisions about financing higher ed.

Serido comments on the Student Loan Bill of Rights, MN Daily

Should We Tell Our Kids How Much We Make? WCCO

Helping Young Adults Cope with Financial Stress

Serido presents Financial Capability Webinar, "Measurement in the Field of Financial Capabilities," hosted by the Federal Reserve Bank of Boston


Ph.D., Family Studies and Human Development, University of Arizona
M.S., Family Studies and Human Development, University of Arizona
M.B.A., Finance, Seton Hall University
B.A., French Literature, English Literature, Rutgers University

Research & Discovery

I am interested in financial behavior as a bidirectional and unfolding family process. Specifically, I study how families communicate and interact about finances and how these processes affect financial behavior. My research focuses on three interrelated life domains: (1) financial parenting; (2) financial behavior and economic well-being; and (3) financial behavior and romantic relationships.

Financial parenting: In this line of research, I examine the ways that parents influence the financial behaviors of their children, and how parenting practices promote self-reliance or continued dependence. My long tem research goal is to explore the associations between parenting practices and age-appropriate financial behaviors among low income and ethnically diverse youth. 

Financial behavior and economic well-being: Because economic inclusion is important for families and for the economy, I seek to understand how people cope with changing financial and social demands. The insights from this research identify what information and skills people need to make informed financial choices.

Financial behavior and early romantic relationships: Early adulthood is a time for forming committed romantic relationships. In this line of research, I examine how young adults in the early stages of a romantic relationship integrate their own family financial norms and values with a partner’s family financial norms and values.

Much of my work draws from studies using the Arizona Pathways to Life Success for University Students (APLUS), a longitudinal research study of a 2007 cohort of college students. I am the Principal Investigator of this multidisciplinary initiative to study the association between early adult financial behaviors and adult life success. Now in its tenth year, we have collected five waves of data (spring 2008, spring 2009, fall 2010, spring 2013, spring 2016).

Outreach & Engagement

Outreach means seeking opportunities to disseminate research findings beyond academic audiences, to engage practitioners and educators who work with youth and families in the community.

  • At the state and local level, I speak about strategies that parents and teachers can use to help youth make more informed age-appropriate financial choices (MPR, WCCO, Minnesota Daily, Mom Enough)
  • At the national level, I provide insights on financial issues affecting college students, particularly regarding college classes in personal finance (Chronicle of Higher Education)

I also participate in discussions to inform national policy for improving the financial capability of Americans with the Consumer Financial Protection Bureau (CFPB), the National Endowment for Financial Education (NEFE), the Federal Reserve (Boston, Minneapolis, and Oklahoma City), the Corporation for Enterprise Development (CFED), The Society for Financial Education and Professional Development, the Jump$tart Coalition, the Department of Defense Military Families Learning Network, and The Society for Financial Education and Professional Development.

Teaching & Learning

As an Extension Specialist, my teaching focuses on connecting research and practice to engage individuals, communities, state. and national organizations in addressing pressing issues facing families. From this perspective, my teaching occurs outside the traditional classroom. My teaching goal is to provide families with access to research-based resources on financial capability.

I collaborate with Extension Educators and Community Partners, to empower youth and their families to make more informed financial choices, particularly regarding academic achievement and financing higher education.

Honors & Awards

2013 Professional Achievement Award presented by the Council of Alumni and Friends of the Norton School of Family and Consumer Sciences, University of Arizona 

2011 American Council of Consumer Interests Poster Award: Do past financial knowledge and positive behaviors portend change or continuity among young adults during economic crisis?


  1. Friedline, T., West, S., Rosell, N., Serido, J., & Shim, S. (2017). Do community characteristics relate to young adult college students’ credit card debt? American Journal of Community Psychology, 59(1-2), 80-93. 

  2. Bosch, L. A., Serido, J., Card, N., Shim, S., & Barber, B. L. (2016). Predictors of financial identity development in emerging adulthood. Emerging Adulthood. doi:  10.1177/2167696816631845.

  3. Serido, J., Curran, M. A., Wilmarth, M., Ahn, S. Y., Shim, S., & Ballard, J. (2015). The unique role of parents and romantic partners on young adults’ financial attitudes and behaviors. Family Relations, 64(5), 696-710.

  4. Shim, S., Serido, J., Tang, C., & Card, N. (2015). Socialization processes and pathways to healthy financial development for young adults. Journal of Applied Developmental Psychology, 38, 29-38

  5. Serido, J. & Joseph, M. (2014). Challenging assumptions: Crossing disciplinary divides to make knowledge about gender and finance. Feminist Formations, 26(2), 52-83. 

  6. Serido, J., Shim, S., Xiao, J. J., Card, N., & Tang, C. (2014). Financial adaptation among college students: Helping students cope with financial strain. Journal of College Student Development, 55(3), 310-316. 

  7. Serido, J., Shim, S., & Tang, C. (2013). A framework for promoting financial capability among young adults. International Journal of Behavioral Development, 37(4), 287-297. 

  8. Shim, S., Serido, J., Bosch, L. & Tang, C. (2013). Financial identity styles among young adults: A longitudinal study of socialization factors and consequences on financial capabilities. Journal of Consumer Affairs, 47(1), 128-152. 

  9. Shim, S., Serido, J., & Barber, B.L., (2011). A consumer way of thinking: Linking consumer socialization and consumption motivation perspectives to adolescent development. Journal of Research on Adolescence: Decade in Review, 21(1), 290-299.

  10. Serido, J., Shim, S., Mishra, A., & Tang, C. (2010). Financial parenting, financial coping behaviors and well-being of emerging adults. Family Relations: Special Issue, 59,453-464.


  1. Curran, M. A., Serido, J., Ahn, S. Y., Parrott, E., & Shim, S. (2017, November). Perceived Financial Influences and Various Young Adults’ Outcomes. In M. A. Curran and J. Serido (Chairs), Relationships and Finances: Multiple Influences and Multiple Outcomes. National Council on Family Relations, Orlando, FL.

  2. Sorgente, A.,  Serido, J.,  Lanz, M., & Shim, S. (2017, November). Financial well-being and transition towards adulthood: What come first? In M. Lanz (Chair), How much does financial issue count during emerging adulthood.  Society for the Study of Emerging Adults (SSEA), Washington DC.

  3. Serido, J. (2017, September). Approaching 30: Adult financial capability, stability, and well-being. Forum for Research and Practice on Financial Education. National Endowment for Financial Education. Washington, DC.

  4. Serido, J. (2017, April). Solving the puzzle of paying for higher education. Minnesota Jump$tart Annual Teacher Training, Federal Reserve Bank of Minneapolis. Minneapolis, MN

  5. Shim, S. & Serido, J. (2017, July). Psychological and socio-economic correlates of student loan payment behavior. Presented at EFPA 15th European Congress of Psychology 2017, Amsterdam, NE.

  6. Serido, J., Ahn, S. Y. & Powell, S. (2016, November). Promoting financial capability among adolescents and emerging adults. Association of Financial Counseling and Planning Annual Symposium. Louisville, KY.

  7. Serido, J., Rea, J., & Catalpa, J. (2016, November). A young adult perspective on family influences and financial well-being. In S. Bartolomae and C. Gudmunson (Chairs), Family financial socialization and financial passage into adulthood. National Council on Family Relations Annual Conference, Minneapolis, MN.

  8. Serido, J., Deenanath, V., Burcher, S., & Rudi, J. (2016, November). How do parents promote financial self-efficacy in young adult children? In J. Serido (Chair), Parenting young adults: Changing practices for different outcomes. National Council on Family Relations Annual Conference. Minneapolis, MN.

  9. Serido, J., Deenanath, V., Burcher, S. (2016, June). The financial behavior of low-income and ethnically diverse first-year college students: The power of parenting and self-beliefs. American Council on Consumer Interests Annual Conference. Washington, DC

  10. Serido, J. (2016, April). Financial Literacy of Youth: Whose Responsibility Is It? Minnesota Jump$tart Annual Teacher Training, Federal Reserve Bank of Minneapolis. Minneapolis, MN.