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

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?

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.

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 ninth year, we have collected four waves of data (spring 2008, spring 2009, fall 2010, spring 2013), with the next wave of data collection underway (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.



  1. 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.

  2. Totenhagen, C. J., Butler, E. A., Curran, M. A., & Serido, J. (2015). The calm after the storm: Relationship length as associated with couples’ daily variability. Journal of Social and Personal Relationships. Available through Online First 10.1177/0265407515597562

  3. Harrison, N., Agnew, S., Serido, J. (2015). Attitudes to debt among indebted undergraduates: A cross-national exploratory factor analysis. Journal of Economic Psychology / Elsevier, 46, 62-73. 

  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. Reeb, B.T., Chan, S.Y., Conger, K.J., Martin, M.J., Hollis, N.D., Serido, J., & Russell, S.T. (2015). Prospective effects of family cohesion on alcohol-related problems in adolescence: Similarities and differences by race/ethnicity. Journal of Youth and Adolescence, 44(10), 1941-1953.

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

  7. Xiao, J.J., Ahn, S.Y., Serido, J., Shim, S. (2014). Earlier financial literacy and later financial behaviour of college students.International Journal of Consumer Studies. Online First.

  8. 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. 

  9. 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. 

  10. Serido, J., Lawrey, C., Li, G., Conger, K., Muraco, J., & Russell, S. (2013). The associations of financial stress and parenting factors with alcohol behaviors during the transition to adulthood. Journal of Family and Economic Issues, 35, 339–350.

  11. 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. 

  12. Shim, S., Serido, J., & Tang, C. (2013). After the Global Financial Crash: Individual Factors Differentiating Young Adult Consumers’ Trust in Banks and Financial Institutions. Journal of Retailing and Consumer Services, 20, 26-33. 

  13. Totenhagen, C. J., Curran, M. A., Serido, J., & Butler, E. A. (2013). Good Days, Bad Days: Do Sacrifices Improve Relationship Quality? Journal of Social and Personal Relationships, 30(7), 881-900.  

  14. Totenhagen, C. J., Serido, J., Curran, M. A.., & Butler, E. A. (2012). Daily hassles and uplifts: A diary study on understanding relationship quality. Journal of Family Psychology, 26,     719-728. 

  15. Shim, S., Serido, J., & Tang, C. (2011). The ant and the grasshopper revisited: The present psychological benefits of saving for tomorrow. Journal of Economic Psychology, 33(1),      155-165. 

  16. Xiao, J. J., Tang, C., Serido, J., Shim, S. (2011). Antecedents and Consequences of Risky Credit Behavior Among College Students: Application and Extension of the Theory of Planned Behavior. Journal of Public Policy and Marketing, 30(2), 239-245. 

  17. 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.

  18. Serido, J., Borden, L. & Bracamonte-Wiggs, C. (2011). Breaking down potential barriers to continued program participation. Youth and Society

  19. See CV, for more publications.


  1. Alvarez de Davila, S. & Serido, J. (2015, November). The Life of the "Desired Unwanted": Latino Immigrant Meat Packing workers in the U.S. Live streaming session for the National Council of Family Relations Annual Conference, Vancouver, BC.

  2. Pollitt, A. Serido, J., Conger, K., & Russell, S. (2015, November). The Family Stress Model and implications on adolescent depression. National Council of Family Relations Annual Conference, Vancouver, BC.

  3. Serido, J., Ballard, J., Deenanath, V., & Shim, S. (2015, May). Financial parenting during young adulthood: Waning power, staying power, or changing power? American Council of Consumer Interests Annual Conference, Clearwater, FL.

  4. Serido, J., Curran, M. A., Ahn, S. Y. (2014, November). What’s love got to do with it? In J. Serido & C. Gudmunson (Chairs), Financial and Life Satisfaction: It’s a Family Affair. National Council of Family Relations, Baltimore, MD.

  5. Serido, J., Ahn, S. Y., Tang. C., & Shim, S. (2014, April). Do college students’ financial behaviors portend progress toward adult self-sufficiency? American Council for Consumer Interests, Milwaukee, WI.

  6. Serido, J., Ahn. S. Y., +Garner, E., & Curran, M. A. (2013, November). Young adults’ finances: Influences from parents and romantic partners. In M. Casper (Chair), Youth financial literacy: Best practices and contextual influences. National Council on Family Relations, San Antonio, TX.

  7. Serido, J. (2013, June). Re-examining gender differences in financial capability. In M. Joseph (Chair), Genders and Cultures of Personal Finance. Consumer Culture Theory (CCT) Conference, Tucson, AZ.

  8. Ahn, S. Y., Kuo, Y., Serido, J., & Shim. S. (2013, April). The effect of cognitive and mood biases on risky credit card behavior of young adults. American Council of Consumer Interests Annual Conference, Portland, OR.

  9. Serido, J., Shim, S. & Tang, C. (2012, April) A framework for promoting financial capability among young adult consumers. American Council of Consumer Interests, Memphis, TN.

  10. Serido, J., Wiggs, C.B., Borden, L.M. (2012, March). Breaking down potential barriers to continued program participation. Considering cultural and ethnic processes in organized activity participation of adolescents: International and national perspectives. Biennial meeting of the Society for Research on Adolescence, Vancouver, BC.

  11. Wiggs, C.B., Borden, L.M., & Serido, J. (2012, March). Youth-adult partnerships: Promoting and expanding youth engagement in positive youth development programs and the community. Society for Research on Adolescence, Philadelphia, PA.

  12. See CV, for more presentations