The Stress Continuum Model
Financial challenges can arise from unanticipated emergencies or fiscal mismanagement.
Financial hardship (e.g., difficulty paying bills) is more commonly found in junior enlisted members, single parents, newly divorced/separated individuals, members with dependents having physical problems, newlyweds, and individuals who have recently PCSed.
Warning signs of financial problems include repeated use of advance pay, creditors calling for payments, repeated borrowing from friends, and being unable to buy essentials (e.g., food). Financial strain can cause personality changes in an individual and has been linked to depression which can impact duty performance and interpersonal relationships.
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