Carmen is currently a Ph.D. student at the University of Illinois at Chicago studying economics. His research focus is applied microeconomic, specifically health economics. Before pursuing his doctoral degree, Carmen taught secondary-level mathematics including calculus, pre-calculus/trigonometry, and finance, and led programs to build interest in STEM-related fields among middle school girls. He believes in providing students with a combination of theory and application, always taking care to show students how mathematical principles can be applied to real-world models. Carmen earned his B.S. in mathematics with a minor in risk management & insurance from La Salle University and his M.S. in economics from Drexel University. Carmen hopes not only to earn his doctorate and continue teaching at the university level, but also to help teachers at all levels develop personal finance curricula for their students.