Here's how you can protect your retirement if you're a member of the sandwich generation. You can let them know what kind of financial help they can expect from you for college and beyond, and simply leave it at that. Making sure you have sufficient disability income insurance coverage can help make sure you protect your family and your retirement if you become disabled. Don't compound the problem by thinking you have to make financial decisions all by yourself. Relying on your network means you're less likely to burn out and make disordered financial decisions.