Basic Definitions Flashcards

Question

What is impersonal trauma?

Answer 1

Trauma resulting from being in the wrong place at the wrong time, or from an 'act of God.'

Answer 2

Trauma committed between two people, where one person is the victim and another is the victimizer.

Answer 3

Trauma related to PERSON-INHERENT and mostly unchangeable characteristics (gender, age, race, ethnicity, sexual orientation, socioeconomic status).

Answer 4

Trauma from being associated with a people GROUP that is under attack due to ethnicity, religious ideals, political orientations, or gender orientation.

Answer 5

Multiple forms of trauma that are repeated and layered throughout one's life.

Answer 6

1) Interpersonal/Relational level 2) Systemic/Organizational level

Answer 7

Significant money-related experiences, often from childhood, that shape one's financial beliefs and behaviors. They are typically unconscious and passed down through generations.

Answer 8

A pattern of behaviors used to gain or maintain power and control over another person in a RELATIONSHIP.

Answer 9

Verbal abuse, constant criticism, or subtle tactics like intimidation, manipulation, and refusal to ever be pleased. Can include refusing to listen or communicate.

Answer 10

The illegal or improper use of an elderly person's funds, property, or assets.

Answer 11

Increased heart rate, tension in various parts of the body, distress in the GI system when dealing with financial matters.

Answer 12

Hoarding or avoiding money, control/manipulation of money, unopened financial statements, or hypervigilance about financial matters.

Answer 13

Anxiety, fear, shame, or anger around money and financial topics.

Answer 14

Perceived economic pressure that creates a potentially harmful, threatening, or challenging situation. It is a **neutral stressor** until interpreted by the individual.

Answer 15

The negative emotional reaction to financial strain.

Answer 16

Certified Financial Therapist-Level I; a professional trained to help clients address the cognitive, emotional, behavioral, relational, and financial aspects of well-being.

Answer 17

To recognize signs of financial trauma, understand its potential impact on financial behavior, and make appropriate referrals when necessary.

Answer 18

An organization of professionals dedicated to the integration of cognitive, emotional, behavioral, relational, and financial aspects of well-being.

Answer 19

Financial therapy addresses the psychological, emotional, behavioral, and relational aspects of money, while financial planning focuses primarily on strategies for managing financial resources.

Answer 20

A large study examining childhood adverse experiences and their impact on later-life health and well-being. It found that 87% of participants had experienced at least one adverse childhood experience.

Answer 21

A person's relationship with money, including ideas about what money means to them, how it should be used, and what one must do to obtain it.

Answer 22

A person's belief in their ability to successfully manage their finances and accomplish financial goals.

Answer 23

A 28-item assessment tool that identifies various forms of economic control, exploitation, and sabotage in relationships.

Answer 24

Stealing money, controlling how money is spent, preventing someone from working, hiding money, building up debt in someone else's name.

Answer 25

Money serves as: 1) a necessary tool to sustain major life activities, 2) a source of social connection and disconnection, and 3) an influence on participation in life at individual, family, community, national, and global levels.

Answer 26

The integration of cognitive, emotional, behavioral, relational, and financial aspects of well-being. It unites professionals to foster financial health through addressing both psychological and financial aspects of money management.

Answer 27

A CFT-I supplements their home discipline with foundational knowledge across therapeutic, financial, and financial therapy domains. They should practice within their scope of expertise and refer when issues exceed their competence level.

Answer 28

Unconscious beliefs about money developed in childhood that drive financial behaviors. They are often partly true but become problematic when held rigidly or extremely.

Answer 29

The process by which people acquire standards, values, norms, skills, knowledge, and attitudes about finances. This happens through direct instruction and indirect observation, primarily from parents but also from other sources.

Answer 30

When family financial structures become so intertwined that traditional roles become blurred, often with children fulfilling adult roles in financial situations. It involves unclear or inappropriate boundaries around money matters.

Answer 31

The intentional withholding of information about finances from an intimate partner where disclosure would likely create emotional distress or a sense of threat. It involves secrecy rather than privacy.

Answer 32

Using money or financial resources to exert power and control over another person. Examples include theft, fraud, exploitation, pressure regarding financial transactions, or misuse of property or benefits.

Answer 33

Overwhelming financial experiences that impact a person's thoughts, feelings, and behaviors around money. .

Answer 34

A money script where people avoid dealing with finances while rejecting personal responsibility for financial health. They may associate negative feelings with money, label the wealthy as greedy, or believe they're better off with less money.

Answer 35

A money script where people believe more money will solve all problems. They often feel they must work excessively to make money, and may spend to show love or engage in compulsive buying.

Answer 36

A money script where people equate self-worth with net worth and focus on outward displays of wealth. They're often concerned with buying the newest and best things to demonstrate status.

Answer 37

A money script involving watchfulness and concern about finances. Generally considered positive and associated with higher net worth, though it can lead to anxiety about money and difficulty enjoying it.

Answer 38

A view that looks at family/relationship dynamics as interconnected systems where the whole is greater than the sum of parts. Changes in one area affect other areas, and focus is on interactions rather than individuals.

Answer 39

Open systems continuously interact with their environment through exchange of resources and can adapt over time (like families). Closed systems operate in isolation with no exchange (like machines). Families can sometimes function as closed systems. In a financial therapy context, the concept of open versus closed systems has important implications for how individuals and families approach money management: In open systems thinking applied to financial therapy, couples and families actively engage with outside information, adapt their financial strategies based on changing circumstances, and maintain flexible boundaries. This approach encourages: 1. Financial transparency, where partners openly discuss money matters and seek external perspectives when needed 2. Adaptability to changing financial realities, such as job losses or unexpected expenses 3. Integration of new financial knowledge through education, professional advice, and community resources 4. Regular reassessment of financial goals based on life changes In contrast, closed system thinking in financial relationships often manifests as: 1. Financial secrecy between partners or family members 2. Rigid adherence to inherited money beliefs regardless of their current relevance 3. Resistance to outside financial advice or education 4. Inability to adapt financial strategies during significant life transitions Financial therapists help clients move from closed to more open financial systems by encouraging: - Exploration of family money scripts that may have served protective functions in the past but now limit financial wellbeing - Creation of safe spaces to discuss money vulnerabilities - Development of shared financial decision-making processes - Regular check-ins about how well current financial systems are meeting the family's evolving needs The goal is to help clients maintain appropriate financial boundaries while creating enough openness to allow for growth, adaptation, and healthier financial behaviors over time.

Answer 40

The tendency of systems to maintain balance or status quo. Families often resist change to maintain security, which can sometimes prevent necessary growth or adaptation.

Answer 41

The process through which tangible and intangible assets are distributed from one generation to another, including preparation, the transfer event, and aftermath.

Answer 42

Communication patterns and emotional styles related to money that are passed from one generation to the next, often referred to as 'family baggage.'

Answer 43

A document that passes on knowledge, beliefs, values, and wisdom about how to live a worthwhile life, rather than material assets. It expresses feelings, hopes, and personal lessons for heirs.

Answer 44

The tendency in families to avoid discussing money matters, creating secrecy and misconceptions. Common excuses include 'it's none of their business,' 'they'll take advantage,' or 'it will hurt relationships.'

Answer 45

Equal means dividing assets into identical portions. Fair takes into account different needs, contributions, or past support, and may not result in equal distributions but addresses what is perceived as equitable.

Answer 46

Any event or experience related to money or financial matters that is physically and/or psychologically overwhelming to the exposed individual.

Answer 47

Big T trauma is universally recognized as painful and overwhelming, while Little t trauma is contextual and driven by personal experience, consisting of a series of small events or setbacks.

Answer 48

Includes theft, fraud, exploitation, pressure regarding financial transactions, or the misuse of property and benefits.

Answer 49

Significant money-related experiences that are typically developed in childhood and can drive much of one's financial behavior.

Answer 50

1. Impersonal Trauma 2. Interpersonal Trauma 3. Identity Trauma 4. Community Trauma 5. Cumulative/Lifelong/Complex Trauma

Answer 51

1. Interpersonal/Relational 2. Systemic/Organizational

Answer 52

- Hoarding and/or avoiding money - Anxiety, fear, shame, or anger around money - Physical symptoms like increased heart rate - Control/manipulation of money - Unopened financial statements - Hypervigilance about financial statements

Answer 53

It can affect the Autonomic Nervous System, impacting affect management and manifesting as physical symptoms during financial discussions.

Answer 54

The impact varies based on when it occurs in life; earlier traumas generally have more profound effects unless significant intervention occurs.

Answer 55

- Cross-class experiences - Financial crimes by non-intimate connections - Theft by family members - Money replacing emotional connection - Divorce with adverse financial arrangements

Answer 56

Different attachment styles influence how money is used to fill emotional voids, especially in families with insecure attachment styles.

Answer 57

Deception between partners regarding money matters, including hidden accounts and secret spending.

Answer 58

A 28-item assessment tool to identify various forms of financial abuse in relationships.

Answer 59

- Recognize potential historical or current trauma - Talk with clients about seeking mental health care - Help clients manage resources safely - Make appropriate referrals to qualified professionals

Answer 60

Financial infidelity is a breach in relational trust based on both implicit and explicit intimate relationship expectations regarding finances. It involves the keeping of financial secrets in an intimate relationship that, if disclosed, would evoke high emotions in the intimate partner.

Answer 61

Privacy allows for the freedom to make decisions and have personal thoughts without them being called into question. Secrecy is the intentional withholding of information that, if disclosed, would evoke high or low emotions in the intimate partner and create a sense of threat to the relationship.

Answer 62

Money conflict occurs when two or more parties express differences in their ideas, interests, and needs specifically related to financial resources. It can range from mild friction to intense and persistent arguments about any type of financial resource.

Answer 63

Financial intimacy is marked by trust, open dialogue about both positive and negative experiences related to money, willingness to acknowledge violations of financial trust, vulnerability about fears and anxieties connected to money, direct communication between parties, and proactive discussions about financial decisions.

Answer 64

Alimony is a court-ordered provision for a spouse after separation or divorce, typically in the form of payments to the former spouse.

Answer 65

Child support refers to court-ordered payments, typically made by a noncustodial divorced parent, to support one's minor child or children.

Answer 66

A QDRO is a judicial order in the United States, entered as part of a property division in a divorce or legal separation, that splits a retirement plan or pension plan by recognizing joint marital ownership interests in the plan.

Answer 67

Research indicates that about 40% of women and 37% of men keep secret savings accounts from their partners, and approximately one-third of Americans have committed some form of financial infidelity.

Answer 68

Approximately 15% of marital satisfaction is predicted by financial factors, such as financial management quality and financial problems.

Answer 69

Couples who argue about finances more than once a week increase their risk of divorce by approximately 69% compared to those who do not argue about finances.

Answer 70

Common forms include: * small indiscretions (hiding cash, minor purchases, unpaid bills, hiding income/bonuses) * secret accounts (credit cards, checking/savings accounts, investments) * using money to benefit another person without the partner's knowledge * criminal activity like tax evasion.

Answer 71

The five styles are: * Competing (high assertiveness, low cooperativeness) * Avoiding (low assertiveness, low cooperativeness) * Accommodating (low assertiveness, high cooperativeness) * Compromising (moderate assertiveness and cooperativeness) * Collaborating (high assertiveness and high cooperativeness).

Answer 72

The collaborative approach involves high levels of both assertiveness and cooperativeness, where parties work together to find solutions that fully satisfy the concerns of both sides, often by identifying underlying interests rather than focusing on positions. In a financial therapy context, the collaborative approach takes on special significance because money conflicts often involve deep emotional roots and power dynamics. Here's how this approach works specifically in financial therapy: The collaborative approach in financial therapy combines high assertiveness (clearly expressing your own financial needs) with high cooperativeness (genuinely working to understand and accommodate your partner's financial needs). This creates a framework where money conflicts become opportunities for growth rather than sources of relationship damage. Financial therapists help couples implement this by facilitating conversations where both partners: 1. Clearly articulate their financial needs without apology (assertiveness) 2. Listen deeply to understand their partner's financial values and concerns (cooperativeness) 3. Work together to identify the emotional underpinnings of money behaviors For example, instead of arguing about a spending limit (position), a couple might discover that one partner's desire to save stems from childhood financial insecurity, while the other's spending represents a need for experiences that create meaning and connection. This shift from positions to interests allows them to develop financial strategies that address both the need for security and the need for meaningful experiences. The process often involves creating "money dates" where couples regularly discuss finances in a structured, non-judgmental way, using techniques that balance assertiveness with empathy and vulnerability—the hallmarks of true collaboration.

Answer 73

The Orange Story illustrates the principle of focusing on interests (the why) rather than positions (the what). By discovering that one child wanted the orange peel for a recipe while the other wanted the fruit for juice, both needs could be met completely instead of compromising with half an orange each. The principle illustrated by The Orange Story is interest-based negotiation, which focuses on understanding underlying needs rather than surface-level positions. Here are some practical applications: In workplace conflict: Instead of arguing over who gets the corner office (positions), explore why each person wants it. One might need quiet for concentration while another wants visibility for client meetings. Solutions could include sound-proofing a different office or creating a dedicated client meeting space. In family decisions: When deciding on vacation destinations where family members have different preferences, look beyond the locations (positions) to understand interests - adventure, relaxation, cultural experiences, or quality time. You might find a single destination that offers activities satisfying everyone's core interests. In business negotiations: Rather than haggling solely over price (position), explore underlying concerns. A supplier might need faster payment terms more than a higher price, while a buyer might prioritize flexible delivery over the lowest cost. This reveals opportunities for creative solutions that benefit both parties. The key is asking "Why is this important to you?" to uncover underlying interests, which often reveals compatible solutions that aren't visible when focusing only on positions.

Answer 74

1) Separate the people from the problem, 2) Focus on interests, not positions, 3) Generate options for mutual gain, 4) Establish objective criteria. Applying the four key principles of conflict resolution to money arguments specifically: 1) Separate the people from the problem: In money conflicts, emotions often run high because finances can trigger deep insecurities. Focus discussions on financial facts rather than personal attacks. For example, instead of "You're irresponsible with money," try "I notice our savings decreased this month. Can we discuss what happened?" This prevents defensive reactions and keeps the conversation productive. 2) Focus on interests, not positions: With money, positions often look like specific dollar amounts or rigid rules. Dig deeper to understand underlying interests. Someone insisting on saving $1,000/month (position) might actually be concerned about retirement security or emergency preparedness (interests). Another person wanting to spend more might value experiences or relationship-building. Understanding these deeper motivations opens new solution paths. 3) Generate options for mutual gain: With money conflicts, create financial scenarios that address both parties' core interests. This might include setting up separate accounts for individual discretionary spending while maintaining joint accounts for shared expenses, creating a tiered savings plan that allows for both long-term security and current enjoyment, or finding creative ways to meet goals at lower costs. 4) Establish objective criteria: For financial decisions, use external standards like recommended emergency fund sizes, retirement calculators, or market rates to evaluate options. This prevents arguments based purely on personal preferences and creates a neutral framework for decisions. Financial advisors, budgeting apps, or personal finance resources can provide these objective benchmarks. The key is addressing both the practical aspects of money management and the emotional aspects that make these conflicts so challenging.

Answer 75

Following a divorce, the parent who gains child custody will on average experience a 52% decrease in their household income.

Answer 76

Women, on average, tend to experience more severe and longer-lasting financial losses than men after a divorce. Divorced or separated mothers are 2.83 times more likely to be living in poverty than those who remain married.

Answer 77

Divorce and partner separation are linked to increased levels of depression, anxiety, and risk of alcohol abuse. Individuals often report significant declines in levels of fulfillment and happiness following divorce.

Answer 78

Children exposed to high levels of parental conflict have negatively impacted internalized and externalized behaviors, social skills, shame, and distress. Exposure to parental conflict increases the likelihood of post-divorce depression and alcohol abuse in early adulthood.

Answer 79

The CFT-I™ should create a safe and empathic place, know the limits of confidentiality, recognize the range of definitions of infidelity, be aware that multiple expressions of infidelity may occur simultaneously, and stay within their scope of practice, making appropriate referrals when necessary.

Answer 80

Mental Health and Relational Professionals (Marriage and Family Therapists, Social Workers, Clinical Psychologists, Licensed Professional Counselors), Financial Professionals (Certified Divorce Financial Analysts, Financial Advisors, Certified Financial Planners), and Legal Professionals (Mediators, Divorce Attorneys).

Answer 81

They should be aware that money conflicts are often more problematic, pervasive, and recurrent than other issues, are rated as more intense and significant by couples, and are more likely to be mishandled and remain unresolved compared to other marital issues.

Answer 82

Gather all financial documentation, track income and expenses, prepare for future expenses, be conservative with spending and saving, refrain from big financial decisions, be cautious with advice from family/friends, prepare for possible resistance, and seek appropriate professional help.

Answer 83

Families are unique in that they have different resource needs than other groups, and membership is not chosen (except for the initial spousal relationship). Events occurring within a family can have a greater impact on members than in voluntary groups, and families tend to withstand more conflict due to the desire to avoid family breakdown.

Answer 84

Financial strain often leads to more harsh, ineffective, and inconsistent parenting, which can negatively impact children's well-being and development.

Answer 85

Relationship conflict within the family can negatively affect the financial performance of family-owned businesses.

Answer 86

Signs include: * controlling access to household money * requiring detailed accounting of expenditures * obsession with partner's spending * lying about financial income * hiding purchases * unexpected communications from financial institutions * avoidance of discussions about current financial situations.

Basic Definitions Flashcards

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