The Sandwich Generation: Planning Ahead for Aging Parents and Adult Children

September 21, 2025

Many people in their 50s and 60s—what we often call young older adults—find themselves part of the Sandwich Generation. They’re balancing work, caring for aging parents, and still supporting adult children, all while trying to plan for their own retirement.

At Emerald Heights in Redmond, WA, we meet families every day who are navigating these challenges. Understanding the pressures of this stage of life can help you take steps now to prepare for the future.

What It Means to Be in the Sandwich Generation

The Sandwich Generation faces unique responsibilities:

• Raising children while supporting parents – Some still have teenagers at home, while also helping their parents transition into senior living or providing day-to-day care.
• Supporting adult children in transition – Even when children are grown, parents may still be called upon to help after job losses, divorce, or other life changes.
• Living in multigenerational households – Rising housing costs and caregiving needs mean more families are building Accessory Dwelling Units (ADUs) or choosing to live under one roof.
• Planning for long-term care – Parents may be healthy now, but people are living longer, and not always healthier. Proactive planning for future care ensures peace of mind.

Why Preparation Matters

Without planning, these overlapping responsibilities can become overwhelming. Many baby boomers are re-evaluating their retirement plans, financial strategies, and housing choices—not just for themselves, but for their extended families.

Choosing a Life Plan Community like Emerald Heights gives families predictability, with access to multiple levels of care on one campus and financial stability through our Type A Life Care contract. That foresight protects not only your own future but also provides reassurance to your children.

Tips for the Sandwich Generation: How to Prepare Now

Here are a few practical steps to lighten the load and prepare for the years ahead:

1. Start the Conversation Early
   Talk with your parents and adult children about expectations, finances, and care preferences. Clear communication prevents stressful surprises.
2. Explore Housing Options
   Consider whether your family may benefit from an ADU, multigenerational living, or a senior living community like Emerald Heights. Touring communities before a health crisis makes decision-making easier.
3. Understand Your Benefits and Resources
   Review healthcare coverage, long-term care insurance, and retirement benefits. Meet with a financial advisor who specializes in senior living planning.
4. Build a Support Network
   You don’t have to do it all yourself. Lean on siblings, trusted friends, or professionals to share caregiving and decision-making responsibilities.
5. Plan for Your Own Future
   While supporting others, don’t neglect your own needs. Take time to prioritize your retirement goals and explore communities that offer financial predictability and long-term care solutions.

Why Emerald Heights is a Trusted Choice

Since 1992, Emerald Heights has helped families in Redmond and across the Pacific Northwest plan for a confident future. Our predictable Life Care model, vibrant lifestyle, and supportive resident community make us a sanctuary for those looking to age well—without burdening the next generation.