Ray Charles “Chuck” Howard

Dr. Ray Charles ‘Chuck’ Howard is an Associate Professor at the Darden School of Business. His research on heuristics and biases seeks to advance our understanding of when and why we make suboptimal decisions, and how our decision-making can be improved. As an example, his research on financial decision-making answers questions like: Why do we underpredict future expenses and overpredict future income? How can we make more accurate financial predictions? How can we stay on budget and avoid overspending? 

Dr. Howard’s research has been published in leading academic journals such as Journal of Consumer Research, Journal of Marketing Research, Journal of Service Research, and Organizational Behavior and Human Decision Processes. He has received awards from the Society for Consumer Psychology, the Society for Judgment and Decision Making, and the Behavioral Insights Group at Harvard University. Dr. Howard’s research findings have reached a global audience, including executives, policymakers, and academics in the US, Canada, Europe, Asia, and Africa, and his commentary has been featured by CNN, NPR Marketplace, The Conversation, The Brainy Business Podcast, The Morning Beat Podcast, Wallethub, Money Geek, and KBTX News.