Ep 78: A Guide to Caregiving for Aging Parents

by Michelle Smalenberger, CFP® / October 5, 2026

At 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, or watch the video on YouTube

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 Caregiving

Jenny’s Favorites:

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:

Episode 78 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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Michelle Smalenberger, CFP®

I have a passion for helping others develop a path to financial success! Through different lenses on your financial picture, I want to help create solutions with you that are thoughtful of today and the future. I have seen in my life the power of having a financial plan while making slight changes of direction from time to time. I believe you can experience freedom from anxiety and even excitement when you know your finances are on track.