Sandwich Bread Pod

Twin Robins Capital, LLC
  • 5.0 (7)
  • Society & Culture

The Sandwich Bread Pod is a podcast for people navigating the complex responsibilities of multigenerational life—caring for parents, raising children, and balancing personal and financial demands that often conflict. Hosted by Tom Kaminski, a Certified Financial Planner™ with 18 years of experience, the show explores the challenges and decisions facing the Sandwich Generation, and offers grounded conversations and perspectives designed to bring clarity, support, and maybe even a laugh during this demanding chapter of life. Sandwich Bread Pod is a production of Twin Robins Capital, LLC.  Twin Robins Capital, LLC (“Twin Robins”),  is a registered investment adviser with the states of Missouri, Kansas, Virginia, Georgia, Indiana and Illinois, and may only transact business with residents of these states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. 

  1. 4h ago

    Trump Accounts: Take the $1,000, Then Ask the Harder Question

    The government will put $1,000 into an account for your newborn. That part is easy. The harder question is what, if anything, you put in after that. Trump Accounts launched on July 4, 2026, and they are the first account built specifically to start a child's retirement savings from birth. In this solo episode Tom Kaminski, CFP®, walks through what the account actually is, how to open one step by step, and then gives a planner's framework for deciding where it belongs on your family's priority list. Spoiler: it is usually not first. He also gets into what he likes about the program (a real mechanism for retirement savings outside Social Security, and 18 years of forced conversations about compounding) and what he does not (an 18-year lockout that is too short, commingled pre and post tax dollars that will make a mess of somebody's tax return in 2044, and a $1,000 headline that does not solve a systemic problem). The rules around these accounts are still being written. Check current IRS guidance before you act on anything here. Links and resources Trump Accounts at the IRS: https://www.irs.gov/trumpaccountsTrumpAccounts.gov, the official program site: https://trumpaccounts.govTreasury on the Trump Accounts app and next steps: https://home.treasury.gov/news/press-releases/sb0508Treasury on the investment lineup: https://home.treasury.gov/news/press-releases/sb0551Proposed regulations, Trump Accounts (Federal Register): https://www.federalregister.gov/documents/2026/03/09/2026-04533/trump-accountsProposed regulations, Contribution Pilot Program: https://www.federalregister.gov/documents/2026/03/09/2026-04534/trump-accounts-contribution-pilot-programInstructions for Form 4547: https://www.irs.gov/pub/irs-prior/i4547--2025.pdf2026 Social Security Trustees Report highlights: https://www.ssa.gov/oact/TR/2026/II_A_highlights.html This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

  2. Aug 25

    Caregiver Burnout: How to Notice It Before You Boil w/ Lisa Kendall, LCSW-R, CSW-G

    About 60% of caregivers have symptoms of burnout. Most of them do not see it coming. In this episode, Tom Kaminski sits down with Lisa Kendall, CSW-G, a clinical social worker and gerontologist with more than 40 years in aging and elder care, to talk about the thing that actually creates the sandwich generation: the weight that lands on the person doing the caring. Lisa explains that people arrive at caregiving one of two ways. Some get dropped into boiling water, the 3 a.m. call that Dad has fallen and Mom’s memory is not what it was. Others come to it by slow boil, a few groceries here, a weekend of spring cleaning there, until one day the water is hot and they never noticed it rising. She walks through what burnout looks like in the body, the mind, and the calendar, and what to actually do about it. Tom brings the financial side: what leaving the workforce costs you now and thirty years from now, how to spend guilt-free on buying your own time back, and three planning moves worth making before open enrollment. What you’ll learn in this episode: Why researchers called it caregiver "burden," and why Lisa is not sure that word fitsThe frog-in-the-pot problem: how gradual caregiving hides its own escalationThe physical symptoms that usually show up first, including the ones people write offThe mental, emotional, and social signs, and when ordinary stress crosses into clinical depression or anxietyThe financial hit nobody counts: not just lost income, but lost Social Security credits and lost retirement contributionsWhy your own advance directives and estate documents tend to get neglected exactly when you need them mostThe self-regulation skill of noticing ("I notice I am feeling anger" instead of "I am angry") and why that distance mattersWhy deep breathing works on a physiological level, not just a psychological oneHow to find your local Area Agency on Aging, and why their caregiver support groups are usually freeTom’s three financial takeaways: buy your time back, check whether care costs qualify as HSA expenses, and dig into the mental and physical wellbeing benefits your employer already pays forResources mentioned: Lisa Kendall Consulting: lisakendallconsulting.com. Lisa is offering listeners a free one-page handout of quick, neurobiologically grounded ways to shift into a calmer state. Her email address is on the site.Eldercare Locator: eldercare.acl.gov or 1-800-677-1116, the national service that connects you to your local Area Agency on Aging, which is mandated under the Older Americans Act to provide information and referral.Cleveland Clinic on caregiver burnout, the source of the 60% figure Lisa cites: Caregiver Burnout. This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

  3. Aug 11

    Continuity vs. Succession: The Plan Every Business Owner Keeps Putting Off w/ Scott Leak

    What happens to your business, your team, and your clients if you don't come home tomorrow? In this episode, Tom sits down with Scott Leak, Director of Business Development at FP Transitions, to talk through the plan most small business owners keep meaning to write and never do. Scott spent nearly thirty years in financial services, much of it at TD Ameritrade Institutional, and now works exclusively on business continuity, succession, and valuation. He is a CFP® professional and a Certified Exit Planning Advisor. This one is for listeners who own something: a practice, a shop, a clinic, a firm. And for everyone else, it's a look at what actually happens when a business owner you depend on disappears without a plan. Tom & Scott Discuss: The difference between a continuity plan (an unplanned exit through death or disability) and a succession plan (a planned exit on your own terms), and why the continuity plan is the one that's genuinely vitalWhy a handshake agreement isn't a plan, and how undocumented arrangements end up in court over businesses worth millionsThe three groups a continuity plan protects: your estate, your employees, and your clientsScott's story about the dentist who retired without telling anyone, and what it taught him about the last obligation you owe the people who trust youHow a buyer can fund the purchase with a life insurance policy on the seller, often for a couple hundred dollars a monthWhy disability, not death, is the more likely trigger for an owner in their forties, and why "disabled" has to be defined objectively in the document before anyone needs itThe founder whose stroke turned into a standoff with his own successor, and what it cost the familyScott's "will and skill" test for spotting a future owner inside your business, and which of the two you can't teachWhy you don't have to replace yourself with one personTom's own experience rebuilding the Twin Robins continuity plan less than a year after finishing the first one Resources mentioned: FP Transitions Disclosure: Tom worked with and under Scott Leak at TD Ameritrade Institutional. Tom is a fee-only financial planner and receives no referral fees, commissions, or compensation of any kind from Scott Leak or FP Transitions. This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

  4. Jul 28

    Round Two with Dan Sullivan: Insurance Planning for the Next Life Stage

    Dan Sullivan is back, and this time we're talking about a different phase of life. In this follow-up to Episode 16, Tom Kaminski welcomes back Dan Sullivan, Managing Director at First Element Insurance Planners, to shift the conversation from young families to the sandwich generation's other pressure point: aging parents, and eventually, themselves. This episode is a practical, no-pressure primer on long-term care insurance: what it is, who actually needs it, and how to think it through without turning it into a scary decision. Tom and Dan cover: What long-term care actually means, and the difference between skilled care and custodial (chronic) careWhy long-term care costs are rising faster than general inflation, and what's driving the shortage of caregiversUsing tools like CareScout's Cost of Care Survey to benchmark what care might cost in your areaHow to figure out if you have an income and savings gap that insurance should fill, versus self-insuringThe two main types of LTC policies: traditional standalone coverage vs. hybrid life insurance/annuity policies with an LTC riderDan's "live, die, quit" framework for understanding what a hybrid policy actually pays out and whenHow benefits get triggered (needing help with 2 of 6 activities of daily living, or a cognitive impairment) and the difference between reimbursement and indemnity payoutsWhy the honest answer to "does everyone need long-term care insurance?" is no, but everyone needs a planResources mentioned: CareScout Cost of Care Survey: carescout.com/cost-of-careFirst Element Insurance Planners: firstelementinsurance.comCatch up on Dan's first appearance, Episode 16: Risk Management for Growing FamiliesDisclosure: Tom is a fee-only financial planner. He is not licensed to sell insurance and receives no referral fees, commissions, or compensation of any kind from Dan Sullivan, First Element Insurance Planners, or any insurance brokerage. This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

  5. Jul 7

    Long-Term Care, Broken Down: The Three Levels of Care and What They Cost w/ Elder Care Attorney Maureen Lester

    How much does long-term care actually cost, and which parts of it can you plan for? In this episode, Tom Kaminski welcomes back elder law attorney Maureen Lester for a third conversation, this time focused entirely on the cost side of long-term care. Maureen breaks down the three legally defined levels of care, independent living, assisted living, and skilled nursing, and walks through what each one actually costs today, from hourly in-home caregivers to full-time skilled nursing facilities. Tom and Maureen also get into how families actually pay for long-term care: private funds, long-term care insurance, and Medicaid, and why leaning on public benefits can mean giving up some choice over where you receive care. What you'll learn in this episode: How independent living, assisted living, and skilled nursing are legally defined, and what separates themCurrent hourly rates for in-home caregivers, and what drives that range up or downWhy "memory care" is a marketing term, not a legal one, and the questions to ask before choosing oneWhat assisted living and skilled nursing typically cost per month, and how quickly those costs can climbThe difference between short-term rehab (usually covered by Medicare) and true long-term careHow private pay, long-term care insurance, and Medicaid work together, and what relying on Medicaid can cost you in choiceWhy the fine print in an assisted living contract, especially the base room and board rate, matters more than most families realizeResources mentioned: National Academy of Elder Law Attorneys (NAELA): naela.org, use the Find a Lawyer tool to locate a qualified elder law attorney in any state This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

  6. Jun 23

    Risk Management for Growing Families: A Practical Insurance Primer w/ Dan Sullivan

    In this episode of the Sandwich Bread Podcast, Tom Kaminski sits down with Dan Sullivan, Managing Director at First Element Insurance Planners, to break down the insurance essentials every young family should understand. Dan brings a background in insurance litigation and law to the conversation, offering a "manager of risk" mindset rather than a "consumer of insurance" one. Tom and Dan cover: How to calculate the right amount of term life insurance, and why "10x salary" rules of thumb fall shortCommon life insurance pitfalls: paralysis by analysis, choosing the wrong product type, and laddering strategies to manage premiumsWhy long-term disability insurance is statistically more likely to be used than life insurance. An individual entering the workforce today has roughly a 25% chance of becoming disabled before retirement¹, and about one in eight workers will be disabled for five years or more during their career²How to evaluate employer group coverage versus supplemental disability policiesThe critical difference between "own occupation" and "any occupation" disability definitionsProperty and liability essentials: home replacement cost reviews, auto coverage check ins, especially with teen drivers, and why umbrella coverage is an underrated, low cost safety netWhether you're starting a family or already raising one, this episode is a practical primer for thinking through your insurance needs at every stage. ¹ U.S. Social Security Administration Fact Sheet, February 7, 2013.  ² Council for Disability Awareness, Commissioner's Disability Insurance Tables A and C. Disclosure: Tom is a fee-only financial planner. He is not licensed to sell insurance and receives no referral fees, commissions, or compensation of any kind from Dan Sullivan or First Element Insurance Planners. This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

  7. Jun 12

    The Estate Planning Problem: Why Having a Plan Is Only Half the Battle w/ Anne Rahmeier

    Estate planning is one of those things everyone knows they should do and most people keep putting off. But what happens when you finally do it and still get it wrong? In this episode, Tom sits down with estate planning attorney Anne Rahmeier to walk through the five most common mistakes she sees in her practice. Whether you are just starting to think about your estate plan or have not reviewed yours in years, this conversation will give you the clarity to actually move forward. Anne brings a rare combination of legal expertise and a genuine educator's heart. After more than a decade in the classroom, she now applies that same approach to helping families get their affairs in order before life gets complicated. What you will learn: Why hiring an attorney is not enough and you have to follow through on funding your trustThe real problem with online estate planning tools (hint: it is not the software)Why your estate plan should not look like your neighbor'sThe ancillary documents most people skip and why they may matter more than your willHow often to review your documents and what life events should trigger an updateThis episode is especially relevant for sandwich generation families navigating their own financial lives while keeping an eye on aging parents. Anne Rahmeier practices estate planning law in the Kansas City at Weese Rahmeier This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

  8. May 26

    Student Loans: What You Need to Know Right Now w/ David Gourley

    Student loans are changing fast, and July 1, 2026 is a deadline that matters. Tom sits down with David Gourley, enrolled agent and student loan strategy expert, to walk through what is happening this summer in the federal student loan space and what borrowers need to do before it is too late. David has completed more than 700 student loan consultations and helped clients secure over $17 million in forgiveness. He specializes in working with teachers, public servants, and anyone who needs a clear-eyed guide through one of the most complicated corners of personal finance. What they cover in this episode: Public Service Loan Forgiveness is not going away, but nonprofit eligibility rules could changeNew borrowing limits for graduate and Parent PLUS borrowers take effect July 1The repayment plan landscape: what is sunsetting, what is new, and which plan you should be on based on when you took out your loansWhy borrowers who took out loans between 2007 and 2014 need to apply for PAYE nowThe Parent PLUS consolidation deadline and what happens if you miss itWhat 7 million SAVE borrowers can expect after July 1 and the 90-day window to actMarried filing separately: when it makes sense and how to run the numbersHow consolidation and weighted average payment credits can actually work in your favorDavid Gourley can be found on the links below:  Newsletter link: https://www.k-12planning.com/newsletter Website: https://www.k-12planning.com/ Student Loan Consultation: https://calendly.com/k-12planning This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.

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5
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About

The Sandwich Bread Pod is a podcast for people navigating the complex responsibilities of multigenerational life—caring for parents, raising children, and balancing personal and financial demands that often conflict. Hosted by Tom Kaminski, a Certified Financial Planner™ with 18 years of experience, the show explores the challenges and decisions facing the Sandwich Generation, and offers grounded conversations and perspectives designed to bring clarity, support, and maybe even a laugh during this demanding chapter of life. Sandwich Bread Pod is a production of Twin Robins Capital, LLC.  Twin Robins Capital, LLC (“Twin Robins”),  is a registered investment adviser with the states of Missouri, Kansas, Virginia, Georgia, Indiana and Illinois, and may only transact business with residents of these states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. 

Information

  • Creator
    Twin Robins Capital, LLC
  • Years Active
    2025 - 2026
  • Episodes
    21
  • Rating
    Explicit
  • Copyright
    © 2026 Sandwich Bread Pod is a production of Twin Robins Capital, LLC. Full disclosures can found at: https://www.twinrobins.com/disclosures
  • Show Website
    Sandwich Bread Pod