Behavioral Economist & Financial Decision-Making Researcher
Washington, D.C. · 15 years of experience
Dr. Patricia Osei holds a PhD in Economics from Georgetown University, where she specialized in behavioral economics and household financial decision-making. She spent eight years as a research economist at the Consumer Financial Protection Bureau (CFPB) before moving into financial education and writing, where she could translate academic research into actionable guidance for consumers.
Dr. Osei's work sits at the intersection of economics, psychology, and public policy. She has conducted original research on cognitive biases in financial decision-making, the psychology of debt, and the effectiveness of financial literacy interventions. Her academic work has been cited in policy briefs by the Federal Reserve and the CFPB.
She has contributed to The Atlantic, Vox, and the Brookings Institution's financial literacy research series. Dr. Osei is a Fellow of the National Academy of Social Insurance and serves on the advisory board of the Financial Health Network.
Behavioral economics has identified dozens of cognitive biases that lead people to make systematically poor financial decisions. Understanding these biases is the first step to overcoming them.
Read article → ← Browse all finance guidesFellow, National Academy of Social Insurance
NASI · 2018
B.A. Economics
Howard University
M.A. Economics
Georgetown University
PhD Economics (Behavioral)
Georgetown University
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