Financial challenges can arise from unanticipated emergencies or financial mismanagement. Financial hardships (e.g., difficulty paying bills), usually a result of poor financial literacy, are commonly found in demographic groups such as junior enlisted service members, single parents, newly divorced or separated individuals, service members with dependents having physical problems, newlyweds, and individuals who have recently relocated. Financial strain may cause behavioral changes in an individual and has been linked to depression, which can impact duty performance, mission readiness, and interpersonal relationships. If a Marine is at risk for personal problems, marital problems, or suicide, that risk is exacerbated in times of financial stress.
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