The Sandwich Fund

Your parents need more help. Your kids need more money. Your retirement account is not growing.

You are paying for your mother's prescriptions and your daughter's braces in the same month. You are coordinating doctor's appointments and college tours in the same week. Every financial article assumes you only have one generation to worry about. You have three, and nobody wrote a playbook for this.

• Map the Triple Threat with a multi-generational cash flow system that tracks childcare, eldercare, and your own retirement in one view.
• Protect your savings from healthcare with specific strategies for shielding your nest egg from a parent's rising medical costs.
• Win the tuition vs. retirement math by learning why funding your 401k first is the best thing you can do for your kids.
• Navigate the legal maze with a checklist of exactly which documents you need to manage a parent's affairs without a court battle.
• Set boundaries without destroying relationships using scripts for the hardest financial conversations a family can have.

You did not ask to be the load-bearing generation. But you are, and this book gives you the financial architecture to carry it without breaking.