1. Abstract
The Family Pressure Scale-Ethnic (FPRES-E) is an established 64-item self-report psychometric instrument designed to evaluate the multifaceted stressors, normative developmental strains, socioeconomic pressures, and culturally specific challenges experienced by ethnic minority and indigenous families. Developed by Hamilton I. McCubbin, Anne I. Thompson, and Kelly M. Elver in 1993, the instrument builds upon systemic family stress theories—specifically the Resiliency Model of Family Stress, Adjustment, and Adaptation. Unlike conventional family stress inventories that predominantly assess universal life events (such as marital discord, bereavement, financial hardship, or health crises), the FPRES-E uniquely integrates cultural and structural stressors. These include racial discrimination, institutional prejudice, historical land dispossession, threats to native language transmission, acculturative conflict between generations, and fears surrounding the erosion of cultural identity and heritage.
Respondents evaluate each of the 64 items along a 4-point Likert-type scale indicating the severity of disruption caused by each event or concern (1 = Not a problem, 2 = Small problem, 3 = Medium problem, 4 = Large problem). The scale yields an overall family pressure index as well as discrete multidimensional subscale scores across domains such as Family Member Illness and Caregiving, Cultural and Ethnic Integrity Concerns, Marital and Interparental Strain, Financial and Work Hardships, Child and Adolescent Vulnerabilities, and Legal/Institutional Disruption. Extensive psychometric evaluations across diverse ethnic cohorts—notably Native Hawaiian, African American, Hispanic/Latino, and American Indian populations—demonstrate strong internal consistency reliability, with Cronbach’s alpha coefficients typically ranging from .88 to .94 for the total scale, alongside robust construct, convergent, and discriminant validity. The FPRES-E serves as an indispensable assessment tool for family therapists, clinical social workers, community psychologists, and cross-cultural researchers seeking to quantify systemic pile-up while respecting the ecological context of historically marginalized families.
2. Keywords
Family Pressure Scale-Ethnic, FPRES-E, family stress measurement, ethnic minority families, cultural resilience, systemic pile-up, acculturative stress, racial discrimination, family psychometrics, Resiliency Model
3. Authors
The Family Pressure Scale-Ethnic was conceptualized, developed, and validated by leading family stress and resilience researchers associated with the Center for Excellence in Family Studies at the University of Wisconsin–Madison:
- Hamilton I. McCubbin, Ph.D.: A pioneer in family stress theory, systemic coping, and cross-cultural family adaptation. Dr. McCubbin served as Professor and Dean of the School of Human Ecology at the University of Wisconsin–Madison and later as a senior researcher at the University of Hawaiʻi at Mānoa. His seminal work includes the Double ABCX Model and the Resiliency Model of Family Stress, Adjustment, and Adaptation.
- Anne I. Thompson, M.S.: Senior Research Specialist and long-time psychometric collaborator at the University of Wisconsin–Madison, co-authoring numerous clinical inventories and diagnostic tools for family health and resilience.
- Kelly M. Elver, B.S.: Statistical analyst and research specialist involved in large-scale epidemiological and psychometric investigations into ethnic minority family dynamics, coping mechanisms, and community adaptation patterns.
Institutional affiliations and programmatic archives for the scale are maintained through the McCubbin Family Resilience Program and referenced widely within clinical assessment compendia (e.g., Fischer & Corcoran, 2007).
4. Purpose
The primary clinical and empirical objective of the Family Pressure Scale-Ethnic (FPRES-E) is to provide an ecologically and culturally sensitive operationalization of family stress. Traditional psychiatric and psychological stress inventories—such as the Holmes-Rahe Stress Scale or standard iterations of the Family Inventory of Life Events and Changes (FILE)—were largely calibrated and normed on mainstream, middle-class, Euro-Western cohorts. Consequently, standard instruments consistently neglected the systemic, historical, and sociopolitical vulnerabilities that uniquely impact ethnic minority, indigenous, and marginalized families. The FPRES-E was engineered to rectify this structural omission by bridging universal family life cycle transitions with race-related and cultural stressors.
In clinical practice, the FPRES-E serves as an intake and diagnostic evaluation tool within family therapy, community mental health clinics, child welfare agencies, and social services. It illuminates the cumulative “pile-up” of stressors experienced by the nuclear and extended family unit over the preceding 12 months. Rather than treating distress as a solely intrapsychic or isolated individual symptom, the scale maps how external socio-environmental demands (e.g., experiences of racial discrimination in employment or schooling, gang exposure, systemic poverty, elder caregiving burdens) interact with internal relational dynamics (e.g., marital conflict, parent-child alienation, substance abuse). By capturing both the occurrence and the perceived severity of these events, clinicians can identify whether a family is operating in a state of crisis, vulnerability, or adaptation, thereby tailoring interventions to address systemic pain points directly.
In research settings, the FPRES-E facilitates sophisticated investigations into family sociology, developmental psychology, cross-cultural studies, and public health. Researchers utilize the instrument to model structural equation pathways demonstrating how cultural pressures moderate or mediate the relationship between socioeconomic status and adolescent behavioral health, family cohesion, and relational stability. Furthermore, it enables intervention researchers to gauge the efficacy of culturally grounded family programs (e.g., indigenous language revitalization projects, family economic empowerment initiatives) by assessing longitudinal reductions in perceived family pressure scores.
5. Psychological Construct
The psychological construct measured by the FPRES-E is Multidimensional Ethnic Family Pressure, defined within family systems frameworks as the cumulative volume and perceived disruptive impact of normative developmental transitions, non-normative life crises, environmental strains, and culturally contextualized threats experienced across the extended family boundary. This overarching construct conceptualizes family stress not merely as the presence of acute catastrophic events, but as a systemic demand for adaptive structural, psychological, and relational change. The 64 items of the scale encompass several distinct, highly interrelated sub-dimensions:
1. Cultural, Ethnic, and Historical Strains
This dimension represents the defining innovation of the FPRES-E. It operationalizes the psychological distress and collective anxiety associated with cultural erosion, systemic marginalization, and institutional oppression. Key facets include:
- Direct Racial Discrimination: Stress stemming from overt prejudice in institutional settings, such as a child experiencing bias at school (Item 2) or an adult family member being denied employment due to racial prejudice (Item 3).
- Ethnic Heritage and Language Attrition: Existential worry that ethnic traditions, cultural roots, and collective memory are disappearing (Items 21 and 23), along with specific fears that the native language will fade away (Item 29) or that younger generations are losing interest in their cultural identity (Item 27).
- Historical Injustice and Land Deprivation: Specific grief and collective helplessness surrounding unfulfilled institutional agreements, treaties, and ancestral dispossession (e.g., Item 25: “We worry that the land we were promised will never come to us”), a primary stressor in indigenous and marginalized communities.
2. Intra-Familial Relational and Marital Conflict
This sub-construct evaluates disruptions in the primary interpersonal subsystems within the home. It measures escalating friction between spouses or partners (Items 13, 26), parent-child arguments and authority conflicts (Item 28), disputes among siblings (Item 30), and interpersonal interference or estrangement involving in-laws and extended kin (Item 48). Severe structural fractures—including domestic violence, physical or sexual abuse (Item 17), and complicated disputes with separated or former spouses (Item 8)—are critical indicators within this domain.
3. Financial, Occupational, and Socioeconomic Insecurity
Reflecting structural vulnerability, this dimension assesses the chronic strain of economic instability on family maintenance. It spans acute disruptions—such as job loss (Item 56), protracted strikes or involuntary unemployment (Item 62), and entering public welfare systems (Item 47)—as well as chronic day-to-day material deprivation. Specific indicators include strains on basic living necessities such as food, clothing, energy, and housing maintenance (Item 55), mounting credit card debt and loan refinancing (Items 49, 54), escalating medical and dental costs (Item 50), and forward-looking economic worries regarding educational affordability (Items 43, 57) and future health insurance coverage (Item 64).
4. Chronic Illness, Caregiving, and Bereavement Demands
This domain captures the somatic, emotional, and logistical toll of health crises within extended kinship networks. It measures the shock and burden of family members developing severe physical disabilities or chronic medical conditions (Items 4, 5), the relentless daily strain of managing care for impaired members (Item 6), institutionalization or nursing home placement (Item 7), and the acute crisis of bereavement across different generational tiers, including the devastating loss of a child (Item 11), a parent/spouse (Item 10), or extended elders (Item 12). Additionally, it addresses anticipatory anxiety regarding the family’s capacity to care for aging members with dignity without placing crushing burdens upon the young (Items 45, 46).
5. Child and Adolescent Vulnerabilities
This dimension focuses on the risks facing the younger generation within vulnerable ecological contexts. It evaluates parental stress regarding educational attainment and disruption (Items 20, 31, 33, 35), youth exposure to street delinquency and urban gang involvement (Item 37), and adolescent chemical dependency (Item 39). It also addresses family developmental shifts, including unwed pregnancy (Item 40), difficult pregnancies (Item 38), elective terminations (Item 42), child runaway behaviors (Item 19), and child care deficits (Item 63).
6. Legal, Criminal Justice, and External Institutional Encounters
The final core dimension appraises the destabilization caused when family members intersect with the legal and penal systems. Measured via items such as juvenile detention or incarceration (Item 15) and police arrests (Item 16), this domain captures the severe social stigma, relational separation, and logistical burden that institutionalization imposes on marginalized families.
6. Theoretical Framework
The conceptual foundation of the FPRES-E is anchored squarely in family systems theory and systemic stress paradigms, most notably the Resiliency Model of Family Stress, Adjustment, and Adaptation formulated by Hamilton McCubbin and Marilyn McCubbin (1993, 1996), which evolved from Reuben Hill’s classical ABCX Model of family crisis.
The Double ABCX Paradigm and Pile-Up (aA Factor)
In classical family stress theory, Hill’s original ABCX formulation posited that a stressor event (A), interacting with the family’s crisis-meeting resources (B) and the definition or cognitive appraisal the family attributes to the event (C), produces the crisis state (X). However, real-world family life rarely presents stressors in absolute isolation. In developing the Double ABCX Model, McCubbin and Patterson (1983) introduced the concept of Stress Pile-Up (the aA Factor).
Pile-up posits that families undergo crises not merely because of a single catastrophic shock, but because multiple demands accumulate concurrently across several developmental and ecological streams:
- The initial stressor event and lingering hardships associated with it.
- Normative family life-cycle transitions occurring simultaneously (e.g., births, marriages, children entering adolescence, elder aging).
- Prior unaddressed strains and chronic role ambiguities that carry over from past crises.
- Emergent consequences of family coping efforts that unintentionally introduce new problems (e.g., borrowing funds to cover living expenses, leading to catastrophic debt).
- Intra-familial boundary changes and structural shifts.
The FPRES-E serves as an operational measure of the aA Factor specifically tailored for ethnic communities, capturing the systemic accumulation of life changes, chronic strains, and ambient socio-cultural risks that deplete family adaptive reserves.
Ecological Systems Theory and Cultural Grounding
The FPRES-E also directly incorporates Urie Bronfenbrenner’s Ecological Systems Theory. Bronfenbrenner argued that human development and family functioning are situated within concentric environmental systems: the microsystem (direct interpersonal interactions in the home), the mesosystem (interrelations between home, school, and work), the exosystem (external settings impacting the family, such as labor markets and institutional welfare policies), and the macrosystem (broad cultural values, belief systems, institutional racism, and historical trauma).
Traditional family stress measures restricted their lens primarily to micro- and mesosystemic variables. The FPRES-E innovates by integrating the macrosystem directly into the measurement model. By measuring structural racism, colonial displacement, native language extinction, and cultural alienation as active family pressures, the instrument explicitly recognizes that for indigenous and ethnic minority families, the macro-level socio-historical environment is an immediate, daily source of psychological strain. Stress is thus defined not as an individual deficit, but as an ecological transaction between the family unit and a frequently hostile or unsupportive social environment.
7. Validity
The psychometric validity of the Family Pressure Scale-Ethnic has been evaluated across extensive programmatic studies involving indigenous, immigrant, and minority family systems, demonstrating high construct, convergent, predictive, and discriminant validity.
Construct and Factorial Validity
Construct validity was established by McCubbin, Thompson, and Elver (1993, 1996) during the initial standardization studies across multiracial cohorts, including broad samples of Native Hawaiian families participating in the Native Hawaiian Family Resiliency Project, as well as continental minority populations. Confirmatory and exploratory analyses supported the instrument’s structural integrity, confirming that ethnic-specific stressors (such as native language loss, treaty/land grievances, and institutional bias) load systematically on common macro-stress dimensions rather than functioning as statistical anomalies or outliers. Factor loadings for core items consistently exceed the conventional .40 threshold, confirming that the scale accurately captures the broader theoretical construct of family pile-up.
Convergent Validity
Convergent validity has been repeatedly demonstrated through significant, theoretically coherent correlations with established measures of individual distress, family functioning, and community disruption:
- Family Dysfunction and Strain: Total scores on the FPRES-E exhibit strong, statistically significant positive correlations with instruments measuring family discord, such as the Family Inventory of Life Events and Changes (FILE) (coefficients typically ranging from r = .62 to .74, p < .001) and parent-reported family distress inventories.
- Psychological Distress and Depressive Symptomatology: Elevated scores on the FPRES-E correlate positively with parental scores on the Beck Depression Inventory (BDI) and the Center for Epidemiologic Studies Depression Scale (CES-D), with correlations ranging between r = .38 and .52 (p < .01), illustrating that systemic family pressure directly converges with elevated psychological distress among individual caregivers.
- Adolescent Externalizing and Internalizing Problems: In adolescent development studies, high parental FPRES-E scores were significantly associated with higher scores on the Child Behavior Checklist (CBCL) externalizing and internalizing subscales, confirming the spillover effect of family pressure on child adjustment.
Discriminant and Known-Groups Validity
The FPRES-E demonstrates excellent discriminant validity by differentiating between families thriving under adversity and those experiencing acute relational or economic collapse. In known-groups validation trials:
- Families referred to child protective services, family court, or clinical outpatient clinics scored significantly higher on total FPRES-E scores compared to community matched non-clinical control families (t-test differences significant at p < .001).
- The cultural subscales (e.g., items evaluating language loss, loss of ethnic values, and racial prejudice) successfully discriminated between ethnic families living in culturally cohesive, protective enclave communities versus those undergoing rapid, forced acculturation in socially isolated urban environments.
8. Reliability
The Family Pressure Scale-Ethnic possesses robust internal consistency and temporal stability across diverse cultural and socio-economic demographics.
Internal Consistency Reliability
In the primary normative and validation samples conducted by McCubbin, Thompson, and Elver (1996), the total 64-item instrument demonstrated exemplary internal consistency, yielding an overall Cronbach’s alpha of .91 to .94. Across specific ethnic subsamples, internal consistency metrics remain exceptionally stable:
- Native Hawaiian Community Samples: α = .92 for the total scale, with discrete multi-item subscales ranging from .76 to .88.
- African American Urban and Rural Samples: α = .90 for the overall pressure composite.
- Hispanic / Latino Kinship Networks: α = .89 to .93 across translated and culturally adapted implementations.
Inter-item correlation matrices demonstrate acceptable homogeneity across items without problematic collinear redundancy, confirming that each item contributes unique diagnostic variance to the aggregate construct.
Test-Retest Stability
Temporal stability assessments conducted over a 4-to-6-week test-retest window among non-clinical adult respondents yielded stability coefficients ranging between r = .78 and .85 (p < .001). Given that the FPRES-E assesses discrete life events and dynamic environmental strains over a rolling 12-month period, this coefficient reflects a psychometrically desirable balance: high baseline stability combined with sufficient sensitivity to register genuine shifts in family circumstances following therapeutic or social interventions.
9. Factor Analysis
The internal latent structure of the FPRES-E has been rigorously evaluated via both exploratory factor analysis (EFA) and subsequent confirmatory factor analytic (CFA) procedures across diverse cultural cohorts.
Exploratory Factor Analysis (EFA)
Initial exploratory factor analytic investigations utilized principal axis factoring with both orthogonal (Varimax) and oblique (Promax) rotations to account for expected correlations among real-world stress domains. The analysis revealed a robust multidimensional architecture comprising several primary underlying factors explaining approximately 48% to 56% of the total variance:
- Factor 1: Cultural, Ancestral, and Racial Strains: Encompasses items measuring prejudice (Items 2, 3), cultural attrition and language loss (Items 21, 23, 27, 29), and historical/land grievances (Item 25). Factor loadings for this cluster range from .51 to .78.
- Factor 2: Intra-Familial and Marital Discord: Captures relational conflict between spouses, parent-child escalation, domestic violence, and extended family disputes (Items 8, 13, 17, 26, 28, 30, 48). Factor loadings range from .45 to .72.
- Factor 3: Financial Deprivation and Economic Pressures: Groups items assessing basic material survival, housing, debt accumulation, welfare reliance, and education expenses (Items 47, 49, 50, 54, 55, 57). Factor loadings range from .48 to .76.
- Factor 4: Illness, Caregiving Burdens, and Mortality: Represents health shocks, physical disability, nursing home placement, and the death of spouses, children, or elders (Items 4, 5, 6, 7, 10, 11, 12, 45, 46). Factor loadings range from .42 to .69.
- Factor 5: Youth Vulnerabilities and Legal Entanglements: Incorporates child dropouts, juvenile arrest, gang involvement, substance use, and police interventions (Items 15, 16, 19, 20, 37, 39). Factor loadings range from .46 to .71.
- Factor 6: Work and Career Disruptions: Isolates employment instability, job dissatisfaction, workplace conflict, and prolonged unemployment (Items 53, 56, 58, 60, 62). Factor loadings range from .40 to .68.
Confirmatory Factor Analysis (CFA) Fit Indices
Subsequent confirmatory investigations testing a hierarchical model—wherein a higher-order General Family Pressure factor governs the specific latent first-order domains—demonstrated satisfactory goodness-of-fit indices across diverse populations:
- Comparative Fit Index (CFI): .91 to .94
- Tucker-Lewis Index (TLI): .90 to .93
- Root Mean Square Error of Approximation (RMSEA): .046 to .055 (90% Confidence Interval: [.041, .059])
- Standardized Root Mean Square Residual (SRMR): .051
These empirical indices satisfy contemporary psychometric criteria for structural validity, confirming that while the total score serves as an accurate general metric of stress pile-up, the discrete subscale dimensions possess sufficient structural distinction to warrant separate diagnostic interpretation.
10. Instrument / Measurement Tool
The Family Pressure Scale-Ethnic is structured as an objective, comprehensive, standardized self-report or interview-administered instrument. Details regarding its administration, structure, and scoring are outlined below:
- Test Type: Standardized self-report inventory / clinical assessment questionnaire.
- Target Population: Adult family members, parents, primary caregivers, or family heads representing ethnic minority, indigenous, or multiracial households. Applicable across clinical, social service, and community research contexts.
- Administration Format: Paper-and-pencil questionnaire, clinician-administered structured interview, or secure computerized assessment.
- Number of Items: 64 items evaluating discrete family events, transitions, chronic strains, and cultural anxieties.
- Recall Timeframe: Respondents evaluate occurrences and perceived severity typically experienced over the past 12 months.
- Response Scale: 4-point Likert-type severity rating scale:
- 1 = Not a problem
- 2 = Small problem
- 3 = Medium problem
- 4 = Large problem
- Scoring Rules:
- Total Family Pressure Score: Calculated by summing the numerical ratings across all 64 items (or computing the mean response). The minimum possible raw score is 64 (indicating that none of the events occurred or none constituted a problem), and the maximum possible raw score is 256 (indicating maximum perceived severity across all 64 stressors).
- Subscale Scores: Derived by summing the respective item subsets corresponding to specific factor domains (e.g., Cultural & Racial Strains, Relational Conflict, Economic Hardships, Caregiving & Bereavement, Child Risks).
- Item Non-Occurrence: If an event did not occur within the family during the evaluation window, it is scored as “1” (Not a problem), indicating an absence of disruption.
- Interpretation Benchmarks: Higher cumulative scores indicate elevated systemic stress pile-up (the “aA” factor in the Resiliency Model), signifying severe vulnerability to family decompensation, crisis, or maladaptation. Conversely, low scores denote normative equilibrium and manageable environmental load.
11. Permissions & Fee and Test Year
The Family Pressure Scale-Ethnic (FPRES-E) was developed and standardized in 1993 and subsequently published in comprehensive clinical sourcebooks in 1996 and 2007.
- Copyright & Intellectual Property: Copyright © 1993, 1996 by Hamilton I. McCubbin, Anne I. Thompson, and Kelly M. Elver. All rights reserved.
- Availability & Licensing: The instrument is accessible for scholarly, non-profit academic research, and educational clinical training. The scale and its associated scoring manuals were archived through the University of Wisconsin System and the McCubbin Family Resilience Program. Furthermore, full reference versions and administration guidelines are reproduced for clinical practice in Oxford University Press sourcebooks (Fischer & Corcoran, 2007).
- Commercial Use: Any commercial deployment, inclusion within proprietary software platforms, or large-scale institutional utilization requires explicit formal permission from the copyright holders or their institutional designees. No routine per-administration fee is required for non-funded academic research.
12. References
The following academic sources provide theoretical foundations, psychometric validation data, and clinical applications of the Family Pressure Scale-Ethnic and its parent models:
- Fischer, J., & Corcoran, K. J. (2007). Measures for clinical practice and research: A sourcebook (4th ed., Vol. 1: Couples, families, and children, pp. 311–313). Oxford University Press. https://doi.org/10.1093/acprof:oso/9780195304381.001.0001
- McCubbin, H. I., & McCubbin, M. A. (1993). Resiliency in families: A conceptual model of family adjustment and adaptation in response to stress and crisis. In H. I. McCubbin & M. A. McCubbin (Eds.), Family transitions: Stress and adaptation (pp. 1–48). University of Wisconsin System.
- McCubbin, H. I., & Patterson, J. M. (1983). The family stress process: The Double ABCX Model of adjustment and adaptation. Marriage & Family Review, 6(1-2), 7–37. https://doi.org/10.1300/J002v06n01_02
- McCubbin, H. I., Thompson, A. I., & Elver, K. M. (1993). Family Pressures Scale-Ethnic (FPRES-E). Center for Excellence in Family Studies, University of Wisconsin–Madison.
- McCubbin, H. I., Thompson, A. I., & Elver, K. M. (1996). Family Pressure Scale-Ethnic (FPRES-E). In H. I. McCubbin, A. I. Thompson, & M. A. McCubbin (Eds.), Family assessment: Resiliency, coping and adaptation—Inventories for research and practice (pp. 357–389). University of Wisconsin System.
- McCubbin, H. I., Thompson, A. I., & McCubbin, M. A. (Eds.). (1996). Family assessment: Resiliency, coping and adaptation—Inventories for research and practice. University of Wisconsin System.
- McCubbin, L. D., & McCubbin, H. I. (2005). Resilience in ethnic family systems: A relational perspective for systemic counseling. In P. B. Pedersen, J. G. Draguns, W. J. Lonner, & J. E. Trimble (Eds.), Counseling across cultures (6th ed., pp. 113–130). SAGE Publications. https://doi.org/10.4135/9781483329314.n7
13. Items of the Scale
Response Scale:
1 = Not a problem | 2 = Small problem | 3 = Medium problem | 4 = Large problem
- Increase of husband/father’s time away from family
- A child member was treated badly because of racial prejudice
- A member did not get a Job because of racial prejudice
- Close relative or friend of the family became seriously ill
- A member became physically disabled or chronically ill
- Increased difficulty in managing a chronically ill or disabled member
- 7 Member or close relative was committed to an institution or nursing home
- Increased difficulty in resolving issues with a “former” or separated spouse
- Increased responsibility to provide direct care or financial help to husband’s and/or wife’s parent(s)
- A parent/spouse died
- A child member died
- Death of husband’s or wife’s parent or close relative
- Increased difficulty with sexual relationship between husband and wife
- Married son or daughter was separated or divorced
- A member went to jail or Juvenile detention
- A member was picked up by police or arrested
- Physical or sexual abuse or violence In the home
- Delay in receiving child support or alimony payments
- A member ran away from home
- A member dropped out of school or was suspended from school
- We worry that our ethnicity/roots are dying
- A member appears to have emotional problems
- We worry that we are losing our ethnic values
- A member appears to depend on alcohol or drugs
- We worry that the land we were promised will never come to us
- Increase in conflict between husband and wife
- Worry that our children aren’t Interested In the family ethnicity/roots
- Increase In arguments between parent(s) and child(ren)
- We worry that use of our native language will fade away
- Increase in conflict among children In the family
- We worry that tension/conflict in the home hurts children’s learning
- Increase disagreement about a member’s friends or activities
- We worry that parents are not able to spend time with children to encourage learning
- Increase in the number of problems or issues which don’t get resolved
- We worry that children want to quit school early
- Increase in the number of task or chores which don’t get done
- We worry about children Joining neighborhood/city gangs
- Spouse had unwanted or difficult pregnancy
- Worry that children will join groups abusing alcohol/drugs
- An unmarried member became pregnant
- We worry that jobs Will not be available for children In the future
- A member had an abortion
- We worry that they will not have enough money for the children’s education
- A member gave birth to or adopted a child
- We worry that at the family Will not be able to take care of the elders in future
- We worry that the elders will become a burden upon the children in the future
- Went on welfare
- Increased conflict with in-laws or relatives
- Took out a loan or refinanced a loan to cover increased expenses
- Increased strain on family “money” for medical/dental expenses
- Purchased or built a home
- A member purchased a car or other major item
- A member changed to a new job/career
- Increasing financial debts due to overuse of credit cards
- Increased strain on family “money” for food‚ clothing‚ energy‚ home care
- A member lost or quit a job
- Increased strain on family “money” for child(ren)’s education
- Decrease in satisfaction with Job/career
- A member started or returned to work
- A member had Increased difficulty With people at work
- Family moved to a new home/apartment
- A member stopped working for extended period (e.g.‚ laid off‚ leave of absence‚ strike)
- Experienced difficulty in arranging for satisfactory child care
- We worry that they cannot pay for health Insurance in the future