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Jill McNamara reports that the average age of sandwich-generation caregivers is dropping to 34, threatening American retirement savings.

The average age of Americans balancing the care of aging parents and children is decreasing, with the new average age of 34 years old. According to the 2026 Sandwich Generation Report by Care.com, this shift means caregivers are entering their dual responsibilities during their prime earning years, often with little preparation. Jill McNamara, vice president at Care.com, noted that 86% of respondents felt unprepared for the sudden transition, which often happens earlier than expected. This shift disproportionately impacts women, who often shoulder more caregiving hours than men. The financial burden is significant, with many caregivers forced to make career sacrifices, such as declining promotions or leaving the workforce entirely. Experts suggest that while multigenerational housing can help pool resources, it is not a complete solution for the financial strain. To mitigate these costs, analysts recommend stabilizing personal finances first, such as securing an employer match for a 401(k), before focusing on others. Planning for long-term care and utilizing hybrid life insurance policies are also recommended to protect retirement savings.

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