What are the most common causes of financial difficulty in families?

I'm trying to look up the most common causes of financial difficulty in families, but I can't find a neat and organized list of this when I do searches on Yahoo or Google. Can someone find out for me what are the most likely causes of financial difficulty in families? I know that loss of job, death of spouse, and disability of bread-winner can be causes, but what else?|||Go the the home page for the US Department of labor and click on Topics, then under "Statistics" click on Employment and Unemployment. There you will find TONS of information regarding what you are looking for. It is going to take some digging, but if you are doing a research paper, then you will need facts like these to list as sources.|||Over Spending?|||One cause is when one or both people in the relationship are trying to live beyond their means. Can't be a Champagne Man with Kool-Aid money.