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Subject: 💸 When the Bills Pile Up and Your Energy Runs Out

Stuck in the Middle — Issue 229 — Thursday, Nov 6, 2025

👋 Welcome

If you’re new here, welcome to Stuck in the Middle — the place for people juggling parents, kids, work, and relationships.
We help you stay sane, solvent, and supported.
Reply SUBSCRIBE to get this twice a week (free).

🧠 Big Thought: You Can’t Budget or Hustle Your Way Out of Exhaustion

You can refinance a house, cut a bill, or pick up side income — but you can’t outwork burnout.
If your finances and energy are both stretched thin, fix the energy leak first.

Start with one small rule this week:

You’ll make better financial decisions when your body isn’t in constant crisis mode.

🧰 Money Moves — Stop the Leak

1️⃣ Run a five-minute budget triage.
Use the 50/30/20 rule calculator at
https://www.nerdwallet.com/article/finance/50-30-20-rule

2️⃣ Check for caregiver tax breaks — up to $7,500 in credits.
IRS info (plain English):
https://www.irs.gov/credits-deductions/tax-credits-for-elderly-or-disabled-caregivers

3️⃣ Save on prescriptions for both generations.
Search any med and compare prices instantly.
https://www.goodrx.com/

4️⃣ Audit hidden subscriptions and bills.
Free tool that flags charges you forgot about.
https://www.rocketmoney.com/

5️⃣ Reduce energy costs at home (literally).
Enter your ZIP for local rebates and home upgrades.
https://www.energy.gov/save

🛠️ Tool of the Week

Carefull — a free financial monitoring tool designed for families caring for aging parents. It catches duplicate charges, missed payments, and scams on their accounts.
https://www.getcarefull.com/

📰 Reads (free, verified, no paywall)

• Why Caregivers Spend Themselves Into Debt – CNBC
  https://www.cnbc.com/select/caregiver-finances-study/

• How to Protect Your Back While Lifting a Parent – Mayo Clinic
  https://www.mayoclinic.org/healthy-lifestyle/adult-health/in-depth/caregiver/art-20046258

• The Sandwich Generation Squeeze – Pew Research
  https://www.pewresearch.org/social-trends/2023/10/11/the-sandwich-generation-squeeze/

🤝 SKOOL COMMUNITY

Join the discussion on real-life financial systems for busy caregivers.
https://www.skool.com/stuck-in-the-middle-community-1730/about?ref=4956bcfb588b4962b89c23002360ff83

💬 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

💸 TOOLS YOU CAN USE

Feeling buried under family and finances? Grab the $9.99 “What Can I Let Go Of?” Checklist — designed to clear both your mental and financial clutter.
https://briansacks.samcart.com/products/sandwich

💬 Reply & Engage

What’s one expense, task, or expectation you’re ready to drop this week — to protect your energy and wallet?

↗️ Share the Relief

Forward this issue to a friend who’s tired, working, and juggling too much. It’ll help them breathe again.

P.S.

Next up: a relationship issue — “How to stay connected to your partner when you’re both running on empty.”
Then we’ll rotate back to parent care logistics before Thanksgiving.