Michael Gutter, Ph. D.

Associate Dean for Extension and State Program Leader, 4-H Youth Development, Families and Communities

Dr. Michael Gutter is the Associate Dean for Extension - State Program Leader for 4-H Youth Development, Families and Communities for the Institute of Food and Agricultural Sciences 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 worked for over a decade as a State Specialist in Wisconsin and then Florida until he move into administration in 2015. Gutter's research focuses on the role of heuristics and economic psychology in key financial behaviors. His outreach focuses on improving financial behaviors by increasing knowledge, skills, and access to services. Gutter's outreach projects include Managing in Tough Times, Florida Saves, and the Florida Master Money Mentor, My Financial Future. He regularly tweets on personal finance topics under @mikegutter on Twitter.