Joyce Serido, Ph.D.

Professor and Extension Specialist, Department of Family Social Science, University of Minnesota-Twin Cities
Joyce Serido

Room 299B McNH 1985 Buford Ave
St Paul, MN 55108


I have always been an observer of people — as a child within my large, extended Italian family, in school and in my career. I am intrigued by people’s behavior.

As a former business analyst, I led teams of software engineers and business clients in the design and implementation of complex information systems solutions for companies in the New York Metropolitan area. I learned that the demands of a situation change the behaviors of even the most reasonable people, so I changed my career path to study what shapes people’s behaviors and how behaviors change. I am interested in how people manage the ordinary ups and downs of life, such as juggling the demands of work and family, and how they change their behaviors in the face of challenging situations.

One of my favorite things to do is travel to new places and observe people going about their day-to-day lives in settings different from my own. These experiences fuel my imagination and raise new questions about why people do what they do and how they feel about the choices they make.

Areas of Expertise

Financial coping behaviors

Financial stress and well-being

Family environment and financial well-being

Positive youth development

Financial literacy among lower income youth and families

Research Focus

Given my business background and my interest in people, my passion for grounding research insights on human behavior into information that is useful in the everyday lives of individuals and families is not surprising. I have both field and research experience working with youth and adult individuals and groups from youth through adulthood. Broadly speaking, my research emphasizes the social interactions that shape individual health and well-being in adults, particularly interactions that occur during adolescence and emerging adulthood.

As the Principal investigator and project manager of the Arizona Pathways to Life Success for University Students (APLUS) project, I collaborate with a cross-disciplinary team of researchers and campus administrative personnel investigating how young adults develop financial capability. We are following 2,000+ UA students (30% of the 2007 cohort) into adulthood, surveying them every 2-3 years to understand how their financial behaviors change over time, and what accounts for the changes. This research will help us to develop a theory to better predict financial behaviors of young adults and the link between early financial behaviors and well-being in later life.

As a co-investigator on a recently awarded NIH/NIAAA R01 grant, we are examining the long-term effects of family financial stress and parent-child relationships during adolescence on young adult family relationships, financial stress, and alcohol problems, using four waves of AddHealth data. Considering potential mechanisms and directions of influence among these key constructs has the potential to inform future prevention and intervention research.

Because Interventions based on findings from social science research have the potential to benefit vulnerable populations in diverse ways — for example, improving educational outcomes, providing job and life skills, and reducing risky behaviors (e.g., drug/alcohol use) — I have also led several evaluation studies of educational and other program interventions.

Current Projects
  • Principal Investigator,Transitioning to Adulthood in Rough Economic Terrain: Arizona Pathways to Life Success for University Students (APLUS) Wave 3.0. Funding: $75,000, National Endowment of Financial Education (NEFE).
  • Principal Investigator, Driving Forced Behind Young Adults Financial Capability: Arizona Pathways to Life Success for University Students (APLUS) Wave 3.0. Funding: $75,000, Citi Foundation. 
  • Co-Investigator, (Stephen Russell, PI). Precursors to Financial Stress and Alcohol Problems in Young Adulthood: $876,801. NIH/NIAAAJoyce Serido (PI) Soyeon Shim (Co-PI). . 3Co-Principal Investigator (Soyeon Shim, PI). Preparing for Young Adulthood: APLUS Wave 2.0. Funding: $150,000, National Endowment of Financial Education (NEFE).
  • Co-Principal Investigator, (Soyeon Shim, PI). Preparing for Young Adulthood: APLUS Wave 2.0. Funding: $150,000, Citi Foundation.  
Subjects Taught

Money, Consumer and Personal Finance

Select Publications

Please contact Dr. Joyce Serido if you are unable to locate one of the publications listed below.

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.

Serido, J. & Joseph, M. (2014). Challenging Assumptions: Crossing Disciplinary Divides to Make Knowledge about Gender and Finance. Feminist  Formations.

Serido, J., Shim, S., Xiao, J. J., Card, N., and Tang, C. (2014). Financial adaptation among college students: Helping students cope with financial strain. Journal of College Student Development.

Shim, S., Serido, J., Tang, C., & Card, N. (In press). Socialization processes and pathways to healthy financial development for young adults. Journal of Applied Developmental Psychology.

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

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. doi: 10.1177/0265407512472475

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.

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.

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.

Serido, J., Borden, L. & Bracamonte-Wiggs, C. (2011). Breaking down potential barriers to continued program participation. Youth and Society. doi: 10.1177/0044118X11424916

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.

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.

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.