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📰Subject: Caring for a Parent Is Expensive—Here’s How to Breathe Financially 🧑‍🦳💸

STUCK IN THE MIDDLE — Issue 211 — Thursday September 4, 2025

👋 New here? Start here.
You’re juggling kids, aging parents, work, and a life you’re trying to keep together. Twice a week we share clear, no-fluff tips and tools to lower stress and costs—fast.
Reply with “SUBSCRIBE” if this was forwarded to you.

🧠 Big Thought: Money Pressure ≠ Personal Failure

If you’re covering medications, home care, and surprise bills, you’re not “bad with money”—you’re funding two generations at once. This week’s theme: build a relief stack (benefits → taxes → insurance → legal authority) so the burden isn’t just on you.

🧰 Money Moves (Do these first)

1. Screen every possible benefit (5 minutes):
   👉 https://benefitscheckup.org/ BenefitsCheckUp

2. Tap caregiver programs near you:
   • Eldercare Locator (find your local AAA/Area Agency on Aging): https://eldercare.acl.gov/home Elder Care
   • National Family Caregiver Support Program overview: https://acl.gov/programs/support-caregivers/national-family-caregiver-support-program ACL Administration for Community Living

3. Get unbiased Medicare help (free):
   • SHIP (national): https://www.shiphelp.org/ SHIP Programs

4. Use the right legal/financial authority:
   • Managing Someone Else’s Money (CFPB guides & checklists): https://www.consumerfinance.gov/consumer-tools/managing-someone-elses-money/ Consumer Financial Protection Bureau
   • Social Security Representative Payee (when POA isn’t enough for SSA benefits): https://www.ssa.gov/payee/ Social Security

5. Claim tax relief correctly (talk to your tax pro):
   • Medical expense deductions (Pub 502): https://www.irs.gov/publications/p502 IRS
   • Child & Dependent Care Credit (can apply to an adult who can’t self-care): https://www.irs.gov/publications/p503 IRS
   • Who qualifies as your dependent (Pub 501): https://www.irs.gov/publications/p501 IRS

6. If your parent is a Veteran:
   • VA Aid & Attendance (pension add-on for those needing help with daily activities): https://www.va.gov/pension/aid-attendance-housebound/ Veterans Affairs

🛠️ Tool of the Week

BenefitsCheckUp® by NCOA — One quick intake checks 2,000+ programs (Medicaid waivers, SNAP, utility help, meds).
https://benefitscheckup.org/ BenefitsCheckUp

📰 Reads (free, no paywall)

• Caregiver Money 101 (family dynamics + budgeting):
  https://www.caregiver.org/resource/what-every-caregiver-needs-know-about-money/ Caregiver

• Millennial Money: Juggling parent-care costs + kids:
  https://apnews.com/article/116c85815460e15dac61c8c68c8c5d20 AP News

• Sandwich Generation: Practical money guardrails:
  https://www.investopedia.com/heres-how-to-manage-money-as-a-millennial-in-the-sandwich-generation-11763622 Investopedia

🤝 NEW: Join Our SKOOL COMMUNITY

Private. Supportive. Real solutions from people living it right now.
👉 https://www.skool.com/stuck-in-the-middle-community-1730/about?ref=4956bcfb588b4962b89c23002360ff83

What you’ll find inside: weekly office hours, resource swaps, vendor checklists, and a place to vent without judgment.

💸 The $9.99 Helper: What Can I Let Go Of? Checklist

Lighten your load (and your to-do list). This quick worksheet helps you delegate, automate, or delete the stuff that’s quietly draining you.
👉 https://briansacks.samcart.com/products/sandwich

💬 Reply & Engage

Hit reply with one expense you want to reduce this month. I’ll send back 2–3 tailored ideas.

↗️ Share the Relief

Know another caregiver who needs a breather? Forward this email. The right link at the right time can save someone hundreds.

P.S. Want me to localize resources for your state in the next issue? Tell me your state and the biggest expense you’re facing.

💬 Connect With People Who Get It

Caregiving can feel isolating — and so can relationship stress.
Join our private Facebook group to talk to others who truly understand.

👉 https://www.facebook.com/groups/stuckinthemiddlenews

THIS IS ONE OF THE MOST IMPORTANT BOOKS YOU CAN READ IF YOU ARE FRUSTRATED WITH A PARENT OR OLDER RELATIVE

grab a copy here https://amzn.to/3QIhlx7

If you are in this situation I think you will enjoy it!