Stephen Molchan, MS, EA, AFC®, CPFFE is a Ph.D. candidate in Family Consumer Sciences Education with an emphasis in Financial Therapy at Texas Tech University. He holds a BS in Accounting from Ramapo College of New Jersey, MS in Taxation from Florida Atlantic University, and a Graduate Certificate in Financial Therapy from Kansas State University. He is an Enrolled Agent, Accredited Financial Counselor®, and Certified Personal and Family Finance Educator. He also volunteers as a student member on the Financial Therapy Association’s Board of Directors. His research interests focus on financial therapy, LGBTQ+ financial inclusion, and financial literacy education. He has published in peer reviewed journals on topics that include financial literacy and the impact the COVID-19 pandemic has had on personal finances. In addition to this, he also works full time at KPMG US as a Senior Tax Associate, primarily working with individual federal and state income tax compliance while also serving as an adjunct instructor at various universities.