Educator, Instructional Designer & Financial Literacy Advocate

Mr. Jose L. Fulgencio, Ph.D., earned his Doctorate in Philosophy, Higher Education – Educational Technology from Oklahoma State University, and is an NFEC Certified Financial Education Instructor.

Mr. Fulgencio graduated with his B.A. from Northeastern Illinois University and M.A. and M.S.in Entrepreneurship from Oklahoma State University.

Mr. Fulgencio brings his personal experience with entrepreneurship, higher education, job club coordinator for a non-profit organization, and the banking industry to provide top quality personal financial education courses.
Mr. Fulgencio believes that individuals should live a financial stress free life. As a person who has lived a stressed life with credit card debt and poor savings skills Mr. Fulgencio has learned strategies to live financial stress free. That is why Mr. Fulgencio works hard to provide the necessary personal financial education to make ones life financial stress free. Mr. Fulgencio has given personal financial education courses to high school students, college students, and people from the community.

As a Personal Financial Educator, Mr. Fulgencio provides educational courses in budgeting, credit score/report, banking, school loans, and savings to high school students, college students, and young professionals (ages 21-30). He has developed education websites, published two eBooks, produced 90 videos and 14 whiteboard animation videos. He has also recently became a 4-H Program Coordinator at the University of Minnesota.