Tom Cai is an Associate Profession of Consumer Affairs in the department of Family and Consumer Sciences. Tom received his M.S. and Ph.D. degrees in Housing and Consumer Economics from the University of Georgia and a Bachelor of Economics from Nankai University, China. He serves as the director for the Consumer Resource Center. Tom is one of the primary advisors for Consumer Affairs students. His research interests include consumer decision making, consumption and financial behavior, and financial literacy. Tom teaches FCS 320, FCS 324, FCS 494, FCS 496C (Money Matters), FCS 681, and FCS 682.