Jing Jian Xiao, Ph.D., is Professor at the University of Arizona where he is Director of the Take Charge America Institute for Consumer Financial Education and Research. He is the Editor-in-Chief of Journal of Family and Economic Issues and also serves on editorial boards of Journal of Consumer Affairs, Financial Counseling and Planning, Journal of Personal Finance, and International Journal of Human Ecology . Dr. Xiao earned his B.S. and M.S. in economics from Zhongnan University of Economics and Law, China and his Ph.D. in consumer economics from Oregon State University .