People who experience early life family financial hardship are more likely to encounter mental health challenges and engage in criminal behaviours during adolescence. However, fewer studies have explored how these outcomes in adulthood are influenced by early family financial hardship, especially criminal behaviour. Interestingly, while most people’s criminal behaviours peak during mid- to late-adolescence and diminish during early adulthood, a small proportion of individuals continue involvement in criminal behaviour during adulthood. Understanding the extent of this criminal behaviour continuation and how it is influenced by early life family financial hardship is important but under researched.

Previous studies tend to measure family socioeconomic status (usually with family income, parental education and occupation) and its association with later outcomes. This broad concept could potentially lead to oversimplification, whereas examining financial hardship alone allows for a more targeted analysis, shedding light on the specific challenges posed by economic constraints and their direct impact on offspring mental health and criminal behaviours. Moreover, it is important to distinguish between people’s feeling about their financial situation and the actual financial figures, as these perspectives can influence outcomes differently. Having a precise measurement for exposures can provide reliable conclusions for our findings and can promote more effective interventions and utilisation for public policy.

Previous studies have shown parental mental health and parenting styles influence the effects of family financial hardship on offspring (Devenish et al., 2017). However, fewer studies have explored how adolescents’ self-esteem, which indicates how people feel about themselves, can influence associations between family financial hardship with depression and criminal behaviour in adulthood, despite strong evidence for associations between self-esteem and mental health (Keane & Loades, 2017).

Comparing with early life financial hardship, more recent economic stresses can also impact young people’s wellbeing (Dunn et al., 2018). Given that many people live away from their parents and have their own work/study, their own financial situation can also associate with their mental health outcomes and potential engagement of criminal behaviours. Therefore, how adulthood financial situation relates to young adults’ mental health and criminal behaviour, is also an important avenue for research.