Sandwich Generation Money System: Caregiver Budget, Aging Parent Finance Planner & Sibling Cost-Sharing Spreadsheet (2026, US)

Care for your parents and your kids, and still pay for your own future. This is a money system for the sandwich generation. It gives you one budget across all three circles (you, your kids, your parents), keeps your parent's finances and documents in one place, offers a fair way to share costs with siblings, and covers every 2026 caregiver tax break you might be missing.

What's inside

• A 34-page guide in 10 chapters, built around the Three-Circle Budget and the Protect-You-First Order
• A Parent Money Map worksheet and a checklist of documents for every adult in the family
• Care costs and who pays for them: Medicare, Medicaid, VA, PACE
• Six 2026 tax breaks for caregivers: claiming a parent as a dependent, medical expenses, the dependent care credit, the $7,500 Dependent Care FSA, the $6,000 senior deduction and HSAs
• FMLA and paid family leave, plus a kit for running a family meeting and a hospital discharge checklist
• Sandwich Command Center spreadsheet: flags red lines automatically and includes a care cost estimator, a sibling split calculator (with credit for caregiving time), a tax break checker and a retirement check

Who it's for

US adults supporting aging parents, with or without kids at home, including siblings who share care.

Instant download: PDF + Excel/Google Sheets. This is an educational resource, not legal, tax or financial advice.

The First-Conversation Guarantee: use the kit to hold your first money conversation with your parent or your first family meeting. If it didn't help, email us within 30 days for a full refund.