Dr. Alicia Rubio is a professor of finance at the University of the Incarnate Word’s H-E-B School of Business and Administration in San Antonio, Texas. She holds a PhD in family and consumer economics from Purdue University, an MBA in finance from ITESM Guadalajara, and a BS in actuarial sciences from Universidad Autónoma de Guadalajara. Her teaching and research focus on personal financial planning, financial well-being, financial behavior, and the intersection of cultural values and household financial behavior, with a particular emphasis on Hispanic households. Dr. Rubio has published in peer-reviewed journals and has presented her work internationally. Alongside her academic roles, she is an accredited financial counselor® and an accredited behavioral finance professional®.