I never did much with this. On the family side, starting RPGing at college when leaving home was a big step just being taken, characters had automatically done much the same thing. For those of us who stayed close to University, and especially those who have also refrained from breeding, the same lifestyle decisions seem natural. The only vestiges of such things were the DNPCs taken for a few odd points, when other disads have been mined out.
But then much F/SF writing has the same conventions.