In this episode, Tom talks with financial planner Danielle Seurkamp about what the “sandwich generation” means in practical terms. Instead of a demographic, it is a season of life when someone supports younger and older generations at the same time.

Danielle shares her experience caring for her grandmother through illness and cognitive decline. She discusses the financial and logistical tasks she took on, the family dynamics involved, and the learning curve that many caregivers face when support needs increase quickly.

Tom and Danielle discuss:
 • How they define the sandwich or caretaker generation
 • Why caregiving often begins suddenly
 • The strain that comes with increased responsibility
 • Danielle’s real-world caregiving story
 • The importance of documents and planning
 • The role of trusted professionals
 • First steps for new or stressed caregivers

This episode offers a helpful foundation for anyone navigating caregiving and financial planning.

Click here to Download the free Caregiver Contact List

 Learn more about Danielle at https://www.wellspentplanning.com/

In this episode, Tom explains how to approach open enrollment with clarity and confidence. He covers retirement plan deferrals, health insurance comparisons, FSAs, disability coverage, life insurance, and lesser known benefits that can save or cost you real money. A simple, structured guide to help you get the most value from your employer benefits.

Episode 1.0 introduces The Sandwich Bread Pod and the purpose behind it. Tom Kaminski, CFP®, shares his background, why he launched this show, and what it really means to be part of the Sandwich Generation. This episode sets the foundation for honest conversations about multigenerational life, real financial pressure, and the responsibilities that come with supporting parents, raising kids, and managing your own goals.