New Book: A Survey of Investing and Retirement Knowledge and Preferences of Preservice Teachers

Thripp dissertation e-book cover

In addition to being a co-editor of the academic anthology, Handbook of Research on Emerging Practices and Methods for K–12 Online and Blended Learning published by IGI Global, I am now officially a published author! Thanks to The International Society for Technology, Education and Science (ISTES) for publishing my dissertation on Florida preservice teacher retirement knowledge as a FREE e-book, titled A Survey of Investing and Retirement Knowledge and Preferences of Preservice Teachers. The e-book has an ISBN, 978-1-952092-04-6, and is offered for free under a Creative Commons Attribution–NonCommercial–ShareAlike 4.0 International License (CC BY-NC-SA 4.0).

ISTES released this on March 2, 2020, with a back-dated publication date of December 2019. The goal is to find a wider audience for my work on financial education and retirement issues affecting our next generation of teachers.

My original dissertation is also available for free from the University of Central Florida STARS database. This version repackages my dissertation as a book, with different line spacing and page numbering. Thanks to Drs. Ismail Sahin and Wenxia Wu for their hard work formatting this as an e-book.


Reference in APA 7th edition style:

Thripp, R. (2019). A survey of investing and retirement knowledge and preferences of preservice teachers. The International Society for Technology, Education and Science.

Book description:

New teachers are facing lower pay and less generous retirement benefits than the prior generation, yet their financial and retirement knowledge, concerns, and preferences have received little attention. To investigate these areas, the author developed a 39-item survey instrument and administered it to 314 preservice teachers in undergraduate teacher education courses at the University of Central Florida, who were primarily female elementary and early childhood education juniors and seniors ages 18–25. Florida public employees are offered an unusual choice between a traditional pension plan and a defined-contribution plan similar to a 401(k) in which they can select their own investments, and 54% of surveyed preservice teachers preferred the 401(k)-like plan structure. However, their preferences may be ill-advised, given that in a mock portfolio allocation exercise intended to assess retirement investing sophistication, preservice teachers directed more than half their retirement money to low-risk money market and bond funds, which will likely underperform stocks over several decades. Furthermore, they anticipated that low salaries will impede their ability to save for retirement. For comparison, the survey was also administered to 205 U.S. college students or graduates ages 18–25 on the Amazon Mechanical Turk platform for $1.00 each. Worrisomely, preservice teachers had significantly lower financial knowledge and retirement investing sophistication. These findings suggest a need for financial education targeting Florida preservice teachers, particularly given that the Florida Retirement System substantially cut its benefits in 2011.

Thripp dissertation e-book, virtual 3-D book image


ISTES has also been publishing other dissertations as e-books lately, such as Dr. Tiffany G. Edwards’s important work on homeless school children in Los Angeles, CA: Closing the Gap of the Educational Needs of Homeless Youth.

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