The United States Marine Corps requested that researchers conduct individual and focus group interviews at ten USMC installations to ascertain the nature of Marinesý monetary difficulties. Sixty-nine interviews were held with 379 individuals. Financial inexperience combines with job related factors such as being stationed away from home, the ýmachoý image, and deployment to place lower ranking Marines at high risk for financial problems. Early mandatory financial management education based on the specific needs of military families is recommended. Key words: Financial management, Military, Quality of life, Financial problems

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