In today’s episode of A Time to Care: The Caregivers Podcast, we sit down with financial advisor Joel Arsenault for an eye-opening conversation about personal finance—especially for caregivers and families navigating later stages of life.

Joel encourages us to go deeper into the topic of finances, reminding us that financial planning is not just for experts or investors—it’s for everyone, especially those in caregiving roles. He reflects on how, in the past, financial decisions were often left solely to men, which created an imbalance in knowledge and confidence that still lingers today. Many people—particularly women—have been conditioned to feel ashamed or intimidated when it comes to talking about money. Joel challenges this mindset and emphasizes that not knowing something isn’t a weakness; it’s an opportunity to learn and grow.

He also highlights a surprising fact: only a small percentage of people actually work with a financial advisor, despite how valuable that support can be. For caregivers who are managing not only their loved ones’ needs but also their own futures, financial clarity can make all the difference.