Graham McCaulley is an Assistant Extension Professor and State Family Financial Education Specialist with University of Missouri Personal Financial Planning (PFP) Extension. He has worked for PFP Extension since 2008 on projects related to financial literacy, program evaluation, and consumer finance research/curriculum, with a special focus on the financial challenges of low-income families. He is currently on the leadership team for the University of Missouri Extension's Health Insurance Education Initiative, which is a statewide educational initiative that ensures Missourians have the resources and skills they need to make informed health insurance decisions. He also coordinates the statewide Take Control of Your Finances program, a basic personal finance class for the newly unemployed. Graham has a bachelor’s in Consumer and Family Economics, a master’s in Human Development and Family Studies, and a PhD in Human Environmental Sciences from the University of Missouri.