Ep 78: A Guide to Caregiving for Aging Parents
by Financial Design Studio, Inc. / October 5, 2026At some point, your aging parents won’t be able to be on their own anymore. In this episode, our guest Jenny shares how she stepped into the role as caregiver for her mother-in-law. She talks about her experience, the boundaries she has set, and the ways she protects their relationship.
Take a listen right here!
Takeaways
- Caregiving is an energy problem, not just a time commitment. Rest, meaningful work, and family support help make caregiving sustainable.
- Sustainable care means setting limits before resentment builds. Jenny learned not to jump in on every task. She lets her mother-in-law ask for help with everyday matters, while stepping in when there is a genuine safety, health, or hygiene concern.
- Protecting dignity means preserving choice wherever it is safe. Practical help can feel like a loss of identity if it takes over too much.
- Care is relational as well as practical. Errands and appointments matter, but so do flowers, conversation, and sharing ordinary moments.
- Caregiving should be shared, not treated as one person’s job. Distributing the work helps the primary caregiver avoid becoming the sole source of support.
- Match plans to the person’s current comfort and capacity. Familiar routines and short outings may be more supportive than ambitious trips or abrupt changes.
- Respond to resistance with empathy, not just correction. Imagining that experience for themselves one day can help a caregiver respond with patience and companionship rather than pressure.
Related Links for Making An Impact On Your Beneficiaries
Jenny’s Favorites:
- British leather goods from Mulberry
- Whimsical American clothing from Magnolia Pearl
- Homeschooling program with Classical Conversations
- Vacationing in Cabo San Lucas, Mexico
Jenny mentions Anna’s episode on community. Listen to “What Pancreatitis Taught Us About Caring in Crisis.”
Additional FDS Resources on Caring for Aging Parents:
- Healthcare for Aging Parents
- How to Decide When to Move into a Retirement Community
- How to Manage Your Aging Parent’s Finances
Timestamps:
1:34 Get to know Jenny!
14:58 How did you step into caregiving?
19:52 How do you relate to family members as lose their mental faculties?
22:27 How do you involve the wider family in caregiving?
24:04 What are your regular caregiving responsibilities?
33:24 How do you know when it’s time to step in as a caregiver?
38:04 What goes on with the finance and legal side of caregiving?
43:22 How do you protect the relationship with your aging family member?
48:17 How do you act, even when you aging parent does not want you to?
51:36 What are the next steps of care?
1:00:53 How has this influenced how you want your daughters to care for you?
1:03:51 The three most important takeaways
Credits for Episode 78
Host: Michelle Smalenberger, CFP®
Guest: Jenny Rodgers
Executive Producer: Anna Lewis
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Financial Design Studio, Inc.
We are financial advisors in Deer Park and Barrington, IL. A team with a passion for helping others design a path to financial success — whatever success means for you. Each of our unique insights fit together to create broad expertise, complete roadmaps, and creative solutions. We have seen the power of having a financial plan, and adjusting that plan to life. The result? Freedom from worrying about the future so you can enjoy today.