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  3. The Sandwich Generation: Balancing Filial Duty and Financial Strain

The Sandwich Generation: Balancing Filial Duty and Financial Strain

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Writer: Wahyu Wijayanti Putri
October 14, 2026, 15:15 WITA Editor: Shella Paramitha
9 min read
Multigenerational family facing financial pressure
An illustration of the sandwich generation, who must balance personal expenses, parental support, and child-rearing costs amidst rising living expenses.

JurnalPost.com — Amidst rising living costs, many Indonesians face the reality that their income is not solely for their own needs. There are parents to support, children to provide for, and household expenses that cannot be delayed. These responsibilities often fall on a single individual struggling to maintain their family's financial balance.

This condition is known as the sandwich generation , a group of individuals caught between the responsibility of meeting the needs of both the older and younger generations. This term has become increasingly familiar in Indonesia as it reflects the economic and family issues experienced by many.

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The sandwich generation phenomenon has two inseparable sides. On one hand, helping parents is an act of love and a reflection of the family-oriented culture deeply rooted in Indonesian society. On the other hand, this responsibility can turn into prolonged financial pressure when an individual's economic capacity does not match the demands placed upon them.

The issue is no longer just about a child's willingness to show devotion, but rather how much financial sacrifice can be made without compromising their own life and future.

When Devotion Becomes a Financial Burden

In Indonesian culture, repaying one's parents is often viewed as a moral obligation. From a young age, many children are taught to respect, care for, and assist their parents as they enter old age.

This value certainly has positive meaning as it strengthens intergenerational bonds. However, problems arise when the form of devotion to parents is measured solely by a child's ability to provide material assistance.

The view that children are the primary support system for their parents in old age has been passed down through generations. This mindset, which developed since the Baby Boomer and Generation X eras, can still be found in modern family life.

As a result, some Millennials and Gen Z individuals must face complex economic responsibilities. They are expected to build financial independence, prepare for their own households, and simultaneously support their parents' needs.

These challenges become even heavier when income growth fails to keep pace with rising costs for basic necessities, housing, education, and healthcare. Even to meet their own needs, some must work hard and manage their expenses strictly.

In such circumstances, the obligation to provide financial support to the family can create a dilemma. Refusing to help feels inappropriate, while continuing to provide support risks disrupting personal financial stability.

Emotional Pressure Behind Family Responsibility

Being part of the sandwich generation is not just about dividing income for various needs. There is psychological and emotional pressure that is often invisible to others.

An individual may feel guilty when unable to provide money to their parents, even while facing their own financial difficulties. These feelings can become heavier if the family has high expectations of their financial capacity.

Conversely, when someone forces themselves to meet all the family's needs, there is a possibility that their own personal needs are neglected.

Savings for the future are delayed, emergency funds are difficult to accumulate, and plans to continue education or own a home must be set aside.

In the long term, this kind of pressure can lead to stress, anxiety, and emotional exhaustion. An individual is seemingly expected to always be strong and act as a pillar for all family members, even when they themselves need support.

This situation shows that family responsibility should not be viewed only by the amount of income one can provide. An individual's mental state, health, and well-being also need to be considered.

Devotion Does Not Always Have to Be Measured by Money

One perspective that needs to be corrected is the assumption that a devoted child is one who is always able to meet their parents' financial needs.

In reality, affection and respect cannot be valued solely based on the amount of money given each month.

Devotion to parents can be expressed through various simple actions, such as making time to talk, listening to their concerns, providing attention, or accompanying them when they are ill.

The presence of a child in their parents' lives also holds emotional value that cannot be replaced by material goods.

This does not mean financial assistance is unimportant. For parents who no longer have an income, economic support from their children may indeed be a primary need. However, providing such assistance still needs to consider each person's financial capacity and condition.

Sincere affection should not demand that someone sacrifice their entire life. Healthy family relationships are built on the basis of care and mutual understanding, not merely economic demands.

The Importance of Sharing Responsibility in the Family

The burden of the sandwich generation often becomes heavier when all of the parents' needs are borne by only one family member.

In fact, if there are siblings or other family members who have the economic capacity, that responsibility can be discussed and shared.

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Sharing the burden does not have to be done in equal amounts. Family members with higher incomes may be able to provide more financial support, while other family members can contribute through time, effort, or companionship.

The most important thing is open communication and an agreement that is considered fair by all parties.

With good distribution of responsibility, parents' needs can still be addressed without having to sacrifice the financial stability of one family member.

Families should be a place for mutual support, not a source of pressure that must be borne alone.

Financial Planning to Break the Sandwich Generation Cycle

The sandwich generation phenomenon also highlights the importance of building awareness regarding financial planning from a productive age.

Financial management should not just focus on today's needs. Every individual also needs to prepare for various possibilities that may occur in the future.

Getting into the habit of saving, controlling expenses, building an emergency fund, and preparing for retirement are steps that can help reduce intergenerational financial dependence.

However, these steps are certainly not always easy to implement, especially for people with limited incomes. When most of the income is spent on basic needs, setting aside money for savings becomes a challenge in itself.

Therefore, the issue of the sandwich generation cannot be entirely blamed on an individual's ability to manage money. Economic conditions, job opportunities, income levels, and access to social protection also play an important role.

On the other hand, the younger generation needs to start building more planned financial habits so as not to repeat the same pattern of dependence on the next generation.

The hope is that children in the future can grow up with the opportunity to build their own lives without having to shoulder the entire financial burden of their parents.

Setting Boundaries Does Not Mean Not Loving the Family

One of the things that is often difficult for the sandwich generation to do is set boundaries on financial capacity.

Many people feel they must always say yes when a family member needs help, even when their own financial condition does not allow it.

In reality, helping family does not mean having to fulfill every request without considering one's own needs.

The courage to communicate financial conditions honestly is an important step in maintaining a healthy family relationship.

One needs to explain how much assistance can be provided and what needs must remain prioritized. Such communication should be done with full respect so as not to cause misunderstandings.

Setting boundaries is not a form of indifference toward parents. On the contrary, this step is an effort to ensure that the assistance provided can be sustainable without causing larger financial problems.

Because someone who continues to sacrifice their entire financial capacity risks experiencing economic hardship, which in turn can also affect the well-being of their own family.

Maintaining Devotion Without Sacrificing the Future

The sandwich generation is a clear picture of how affection, responsibility, and economic pressure are interconnected in family life.

Devotion to parents is a noble value that should be maintained. However, that value needs to be carried out with the understanding that every individual also has the right to build a decent life and prepare for their future.

Sacrifice should not be the main measure of a child's affection. Likewise, the ability to provide money cannot be the only benchmark for someone's success in carrying out family responsibilities.

A healthy family is not one that relies on one person for all its needs, but a family that is able to understand, communicate, and work together based on each other's capabilities.

Ultimately, being part of the sandwich generation does not have to mean living through endless sacrifice. Helping parents and building a personal future are not two choices that must defeat each other.

Both can go hand in hand as long as there is open communication, mature financial planning, and a fair distribution of responsibilities.

Because in essence, devotion to parents should be a form of affection that strengthens, not a burden that causes the next generation to lose the opportunity to build their own future.

Bahasa Indonesia Read in Bahasa Indonesia →
  • #young generation
  • #mental health
  • #family finance
  • #financial planning
  • #sandwich generation
  • #financial burden
  • #filial piety
  • #family economy

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Article source: https://jurnalpost.com/en/sandwich-generation-filial-duty-financial-strain/98163/

Printed from JurnalPost.com on November 3, 2026, 23:00 WITA

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