Personal financial life cycle-crossword

Across
2. When people not only finance themselves but may have the responsibility of a family
4. Something we would like to have but can live without
6. Things that help us to achieve a particular goal
8. Something we cannot live without
9. Doing things unrelated to work
Down
1. Grants of money awarded to people who have achieved high standards
3. When people can finance themselves
5. A child between the ages of 2 and 5
7. People who are still dependent on their parents/guardians