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The Culture of Personal Finance

CEU approval for MFLN Personal Finance webinars expires 3 years after the live event. CEUs are no longer available for this webinar.For more information and to earn CEUs from more current webinars click here

Please note this webinar will be held in a different meeting room:

This webinar will focus on the environments that shape our financial perspectives and impact our financial success.
Dr. Michael Gutter and Jerry Buchko will be presenting this webinar on behalf of Dr. Barbara O'Neill. This webinar is part of the Military Families Learning Network's Personal Finance Virtual Learning Event.  Thirty minutes will be reserved at the end of this presentation for questions and answers from webinar participants.
Cultural sensitivity is as important a skill for financial practitioners as subject matter knowledge and technology skills. This webinar will present information about the impact of culture upon personal finance attitudes and practices. Culture, defined as collection of socially transmitted behaviors and beliefs, is a “lens” through which people view events and make decisions. The webinar will discuss personal finance education and counseling from a multicultural perspective and financial characteristics of specific ethnic groups and other demographic characteristics (e.g., gender and income). It will include opportunities for group discussion via web chat and three hands-on activities: “Financial Culture Coat of Arms,” “Bucket List,” and a values clarification activity.

How to Join This Webinar

  • To connect by computer to this webinar, which is hosted by DoD, you must install security certificates if you are not on a military installation. Instructions for can be found: .
  • For those who cannot connect to the Adobe site by computer, an alternative viewing of this webinar can be viewed via Ustream at 
  • To connect to the Adobe webinars using the iPhone, iPad, and Droid apps, search for DCO Connect in the respective stores.
  • No registration is required. Just prior to the webinar, join by clicking on the link under the "location" heading below.


Dr. Barbara O’Neill, financial resource management specialist for Rutgers Cooperative Extension, has been a professor, financial educator, and author for 35 years. She has written over 1,500 consumer newspaper articles and over 125 articles for academic journals, conference proceedings, and other professional publications. She is a certified financial planner (CFP®), chartered retirement planning counselor (CRPC®), accredited financial counselor (AFC), certified housing counselor (CHC), and certified financial educator (CFEd). Dr. O’Neill served as president of the Association for Financial Counseling and Planning Education and is the author of two trade books, Saving on a Shoestring and Investing on a Shoestring, and co-author of Investing For Your Future, Money Talk: A Financial Guide for Women, and Small Steps to Health and Wealth.  She earned a Ph.D. in family financial management from Virginia Tech and received over three dozen awards for professional achievements and over $900,000 in funding for financial education programs and research.

Dr. Michael Gutter is an Associate Professor, Interim FCS Program Leader, and Financial Management State Specialist for the Department of Family, Youth, and Community Sciences, in the Institute for Food and Agricultural 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 has received several awards including the 1999 Texas Instruments Award for an Outstanding Paper, 2001 ACCI Dissertation Award, 2003 School of Human Ecology Excellence in Outreach Service Award, and the 2008 American Council on Consumer Interests Mid-Career Award.

Gutter oversees our Personal and Family Financial Planning Program, which is registered with the CFP® Board of Standards, Inc. to meet the education requirement.

The common theme that connects Gutter¹s Research, Teaching and Outreach is helping households achieve financial security. This has involved research examining how socioeconomic status, financial education, personal psychology, and financial socialization are related to financial behaviors. In the context of this model, Gutter currently explores how financial education is related to financial behaviors and whether or not it is effective as a treatment resulting in improved financial decision making. One focus is on the issue of financial socialization and learning more about the role social learning plays in predicting financial behaviors. Gutter and Garrison (2008) and Gutter, Copur, and Garrison (2010) as well as a recently completed MS Thesis (Garrison, 2010) have further contributed greater understanding to forces shaping financial behaviors by connecting social learning opportunities to financial dispositions and behaviors. This line of research has funding from Great Lakes Higher Education Guaranty Corporation, National Endowment for Financial Education, and the FINRA Investor Education Foundation. Gutter¹s 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 people¹s 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.

Jerry Buchko, MA, AFC, a Counselor, Coach, and Tutor of personal finance who is pursuing a private practice serving clients using online social networking and real-time voice and video collaboration spaces. Prior to entering private practice, he worked for almost 14 years in the employee assistance field, providing financial counseling to clients from a diverse range of life circumstances and experiences, including military Service Members and their families. Jerry has a B.A. in Psychology, an M.A. in Counseling Psychology, and is an Accredited Financial Counselor® (AFC®). Jerry is an active member within the eXtension Military Families Learning Network and Network Literacy Community of Practice, and he currently serves as a member of the Board of Directors for the Association for Financial Counseling and Planning Education (AFCPE).

The Cover photo Multicultural England by Stephen Bowler for this webinar is licensed Creative Commons (CC By 2.0)

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About the Extension Foundation

The Extension Foundation was formed in 2006 by Extension Directors and Administrators. Today, the Foundation partners with Cooperative Extension through liaison roles and a formal plan of work with the Extension Committee on Organization and Policy (ECOP) to increase system capacity while providing programmatic services, and helping Extension programs scale and investigate new methods and models for implementing programs. The Foundation provides professional development to Cooperative Extension professionals and offers exclusive services to its members. In 2020 and 2021, the Extension Foundation has awarded 85% of its direct funding back to the Cooperative Extension System, 100% of funds are used to support Cooperative Extension initiatives. 

This technology is supported in part by New Technologies for Agriculture Extension grant no. 2020-41595-30123 from the USDA National Institute of Food and Agriculture and membership funding. Any opinions, findings, conclusions, or recommendations expressed in the content are those of the author(s) and do not necessarily reflect the view of the U.S. Department of Agriculture. For more information, please visit You can view the terms of useat

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