“…He added a pre-adulthood stage comprising children and adolescents, a mature single adult stage (never married) and a single parent stage. This revised life cycle respected the reality that 'consumption [and resource management] generally takes place within one of three familial contexts: (1) the family of origin; (2) the family of procreation; and, (3) the mature singlehood house- 7,8,22 Allows us to see similarities in progression of people through predictable stages in life despite the context; assumes that people move through predictable stages of life, learning necessary tasks to move them through successive stages; when people move from one stage to another, society expects changes in roles and behaviour commensurate with the new life stage Life spiral (evolution) 21 Allows us to capture the intergenerational context of individual's lives; it accommodates oscillation between degrees of closeness, enmeshment and distance as families come apart, rebuild and come together again from one generation to another; value foundations, decisions and patterns of relationships made by one generation will have a ripple effect on other generations of the family Life transition 3,[23][24][25] Accommodates the unplanned or crisis events in life which occur as we move from different situations in our life; assumes that employment status, marital status, degree of dependence, housing status, stage in life cycle, etc., have profound implications for financial resource management; there are no normative expectations in changes in roles, although roles will most certainly change Life course (transition and evolution) 3,11,26,27 Allows us to see differences in the course of each person's life owing to the changing richness and complexity of the context of their life (social, family and historical); special focus on age cohorts and transitions; assumes that the course of one's life can change as a result of changes in one's larger life environment (social demographic shifts, historical factors and cultural factors) as well as changes to one's self Spheres of influence 30,31 Assumes that there are eight spheres of influence on individuals' lives regardless of where they live, what stage of the life cycle they are in, or the generation they live in, influences ranging from: the cosmos and biosphere to the power sphere, community, family and individual to the unknown and the unknowable S. McGregor and M. Bateman Ellison • A research framework for family resource management hold, e.g., "the family of one"' (p. 212). He further suggested the stage of mature marrieds without children but did not add it to his framework.…”