Life used to be so simple a generation or two ago. A mother, father and their kids, all living together under one roof. But now, the (67) of the American household has changed into a web of relationships, forever changing the way families (68) their money. The rise of divorce, remarriage and living out of wedlock (婚姻生活) have changed the family unit into an (69) network of step-relatives and (70) a series of financial challenges. More than 40% of American adults have at least one step-relative, such as a son or daughter (71) a spouse’s former relationship, in their family. Experts say that is up (72) from just 50 years ago. These new families, often called (73) families, meld (使合并) kids from one marriage with those from another. Americans are also creating new types of households (74) starting second families later in life or adopting kids. And the trend is only (75) .Anywhere from 52% to 62% of all first marriages will end in (76) , says the National Stepfamily Resource Center. (77) , roughly three-quarters of divorced people will (78) —and about 65% of remarriages will (79) kids from the previous marriage. It’s difficult to generalize (80) these new families look. But one thing stepfamilies and adoptive families have in (81) is a complex (82) situation. There’s often money shifting in and out in the (83) of child support. These payments can be very large. Making things even more difficult is (84) just 20% of people discuss financial matters before they remarry, a dangerous sign because money will (85) being the top source of (86) they face.