Virginia Solis Zuiker
Ph.D., Family Resource Management and Family & Consumer Economics, The Ohio State University
M.S., Consumer Studies and Management, Texas Tech University
B.S., Home Economics Education, University of North Texas
Areas of Interest
Family Financial Issues and Counseling
College Students and Money Management
Families and Culture
Social and Human Capital
Economic Well-being of the Family
Family Resource Management
I am accepting new advisees for fall 2020 in the M.A., Ph.D., and M.A./Ph.D. programs.
Interview in Financial Therapy Association's Journal of Financial Therapy (PDF).
Research & Discovery
Economic Well-Being of Diverse Families in the United States: This research agenda is to understand the economic well-being of diverse families residing in the United States, as a whole, and in Minnesota. Specifically, this research examines economic and management issues that affect individuals and families well being. This research project examines the self-employed versus wage and salary earners, family businesses owners, and financial management issues that affect individuals and families economic well-being.
College Students and Money Management Issues: The purpose of this research project is to investigate college students' money management practices with a specific interest in students of color.
Family Businesses and the Self-Employed (housed at Montana State University): This multi-state research project examines the self-employed versus wage and salary earners, family business owners, and financial management issues that affect individual and family economic well-being.
Financial Delivery Methods: The purpose of this research project is to examine the variety of delivery methods used by financial professionals to provide financial education and descriptions of how they define their position/role to maximize successful outcomes with the audiences they serve.
Financial Counselors Working with Cultural Minority Families: The purpose of this research project is to examine cultural considerations as it affects financial decision-making in minority families.
Rural Families Speak: A multi-state research project that tracked the well-being and functioning of rural low-income families in the context of welfare reform. Created by the late Dr. Jean Bauer, the Minnesota state team was among 17 teams across the country working on this very important societal issue.
Outreach & Engagement
Credit reports, online curriculum module, Center for Advanced Studies in Child Welfare, School of Social Work, University of Minnesota.
Case worker responsibility & credit reports for youth in foster care, online curriculum module, Center for Advanced Studies in Child Welfare, School of Social Work, University of Minnesota.
Teaching & Learning
FSoS 1301: Cash or Credit: You Need to Know
FSoS 3101: Personal and Family Finance
FSoS 4106: Family Resource Management
FSoS 4153: Family Financial Counseling
Honors & Awards
2011-2013 Elected to the Board of Directors for the Association of Financial Counseling, Planning, and Education (AFCPE).
2010 Tom H. Swain Campus Recognition Award
2010 Financial Literacy of College Students: Understanding Student Interests in Technology. Minnesota Association of Extension Educators Scholarship Award, Given for exemplar statewide programming with a team approach.
2006 Invited panelist at the 2003 & 2005 National Minority Business Owners Surveys (2003 & 2005 NMBOS) conference at Baruch College in New York. This event was hosted by the College’s Lawrence N. Field Center for Entrepreneurship with supporting funds from the Ewing Marion Kauffman Foundation.
2006 One of twenty scholars invited to participate in the University of North Carolina Chapel Hill Research Conference on Entrepreneurship Among Minorities and Women funded by the E. M. Kauffman Foundation, June 2006.
2005 One of twenty scholars invited to participate in the University of North Carolina Chapel Hill Entrepreneurship Boot Camp funded by the E. M. Kauffman Foundation, July 2005.
2000 New Career Excellence Award, College of Human Ecology.
Select Publications and Presentations
See CV for complete list
Rea, J.K., Zuiker, V.S., & Mendenhall, T. (2016). Money and emerging adults: A glimpse into the lives of college couples’ financial management practices. Journal of Financial Therapy. 7(2), 16-40. doi.10.4148/1944-9771.1110
Heuring, S.H., Solheim, C.A., Zuiker, V.S., & Ballard, J. (2016). The link between childhood overindulgence and adult financial behaviors. Journal of Financial Counseling and Planning. 27(1), 80-91. doi.10.1891/1052-3073.27.1.80
Kramer, K.Z., Myhra, L.L., Zuiker, V.S., & Bauer, J.W. (2016). Comparison of poverty and income disparity of single mothers and fathers across three decades: 1990 - 2010. Gender Issues. 33(1). 22-41. doi: 10.1007/s12147-015-9144-3.
Solheim, C.A., Rojas-Garcia, G., Olson, P.D., & Zuiker, V.S. (2012, April). Family influences on goals, remittance use, and settlement of Mexican immigrant agricultural workers in Minnesota. Journal of Comparative Family Studies, 43(2), 237-259.
Solheim, C.A., Zuiker V.S., & Sheldeshova, P. (2011). Financial socialization family pathways: Reflections from college students’ narratives. Family Science Review, 16(2),97-112.
Hendrickson, L., Jokela, R., Gilman, J., Croymans, S., Marczak, M., Zuiker, V.S., & Olson, P. (2010). The viability of podcasts in extension education: Financial education for college students, Journal of Extension, [On-line,]48
Li, Y., Zuiker, V.S., Mendenhall, T., & Montalto, C. (2017, November). Asian college students: Examining their differences on financial matters. In V. J. Anderson & D.E. Kiss, Proceedings of the Association for Financial Counseling and Planning Education, San Diego, CA, p.4.
Lee, Y., Jasper, C., Masuo, D., & Zuiker, V. (2017). Financial intermingling and predicting business sustainability after a natural disaster. In S.L. Worthy, The Proceedings of the American Council on Consumer Interests, 63.
Niehm, L., Lee, Y., Zuiker, V.S., Manikowsi, L., Mauso, D., & Shin, E. (2017). Rural Family Owned Business Sustainability in Times of Economic Change: Strategic and Entrepreneurial Responses to the 2007-2009 Recession. United States Association for Small Business and Entrepreneurship (USASBE).
Li, Y., & Zuiker, V.S. (2016, November). The influence of financial stress between Asian American college students and International Asian college students. In V. J. Anderson & D.E. Kiss, Proceedings of the Association for Financial Counseling and Planning Education, Louisville, KY, p.107.
Kramer, K. Z., Olsen, L., Zuiker, V. S., and Bauer, J. (2015, August). Comparison of poverty and income disparity of single mothers and single fathers across three decades: 1990 to 2010. Presented at the American Sociological Association Meeting, Chicago, IL.
Katras, M.J., Zuiker, V.S., Croymans, S., Anderson-Porisch, S., & Hawkins, B. (2014). What's in a name? Exploring and defining financial delivery methods. In V.J. Mason, Proceedings of the Association for Financial Counseling and Planning Education, 27.
Hawkins, B. & Zuiker, V. S. (2013, September/October). Lessons from financial counselors working with cultural minority families. Paper presented at the Financial Therapy Association Conference in Lubbock, Texas.
Heuring, S.M., Solheim, C.A., & Zuiker, V.S. (2012). Overindulgence: Financial implications for young adults. In V.J. Mason, Proceedings of the Association for Financial Counseling and Planning Education, 27.
Zuiker, V. S. & Hawkins, B. (2012, September). Motivational interviewing techniques: Barriers in financial counseling situations. Paper presented at the Financial Therapy Association Conference in Columbia, Missouri.
Gudmunson, C. G., & Zuiker, V. S. (2012). A life course investigation of economic pressure in emerging adulthood. In Memphis, TN, Proceedings of the American Council on Consumer Interests, 58.