Combined Family Economic Stress and Investment Model
Researchers have combined the two models, considering them as a single understanding of how economic hardship influences children and families. The combined model suggests that poverty and economic hardship in the first generation of a family increases the likelihood of similar financial problems in the second generation.
The model is broken into two sections: second generation (G2) childhood/adolescence experiences and second generation adulthood outcomes. The G2 family of origin experiences are summarized in the first five boxes and the G2 Adulthood area refers to those same children as adults in their own families of procreation. What you may find is that your clients have come from families who struggled with finances and stress related to family income and wealth.