Chat with Nat: Caregiving, Money, Finances, and Support for Caregivers

Natalie Kime

Caring for aging parents or loved ones while managing your career, finances, and your own life can feel overwhelming, isolating, and financially stressful.  balancing work, and feeling overwhelmed by financial decisions, Chat With Nat is your trusted resource.  Chat with Nat, a caregiving podcast focused on caregiver support, financial planning for caregivers, and navigating the real-life challenges of balancing care, money, and well-being. Nat dives into the caregiving topics that matter most, caregiving strategies, emotional support, financial planning, budgeting tips, and real‑world solutions that help you care with confidence without sacrificing your own future. From practical episodes on how to pay for care, plan ahead financially, avoid burnout, and navigate family caregiving challenges, to honest conversations with experts, caregivers, and advocates — this show gives you the clarity, community, and tools you need to protect your money, your time, and your wellbeing. Whether you’re newly caring for a loved one or have been at it for years, Chat With Nat is here to help you care smarter, not harder. Hosted by Natalie (Nat), this show brings honest conversations and practical guidance to help you manage caregiver stress, avoid burnout, and feel more confident in both your caregiving role and your financial decisions. Each episode explores: Caregiver support and strategies for everyday challengesFinancial planning, money management, and the cost of caregivingCaregiver burnout, mental health, and setting boundariesBalancing caregiving with work, family, and personal lifeSupporting aging parents and navigating complex family dynamics Whether you’re a family caregiver, supporting an aging parent, or planning for the financial and emotional impact of care, you’ll find relatable stories, expert insights, and actionable advice you can actually use. If you’re looking for guidance on caregiving and finances, without the fluff, this podcast will help you feel supported, prepared, and less alone.

  1. 4d ago

    You Are Enough: Why Financial Independence Is Really About Choice

    Tell Natalie what you love about this episode, text here! When you think about financial independence, what comes to mind? Having enough saved for retirement? Paying off debt? Reaching a certain number in your bank account? Those things matter, but I want to talk about something that matters just as much and doesn't always get enough attention: having choices. Because life doesn't always go according to plan. Sometimes a parent needs care, a relationship changes, your health takes an unexpected turn, or you realize that the life you've been working so hard to build isn't quite the life you want anymore. In those moments, money becomes about a lot more than what you have in the bank. It can affect whether you have the flexibility to step away from work, get help when you need it, make a change, or simply give yourself some breathing room. In this episode of Chat with Nat, I'm talking about what financial independence really means and why I believe it has so much to do with protecting your choices rather than proving your worth. We'll look at how money connects to caregiving, identity, and the decisions we make for ourselves and the people we love. I'll also share a different way to think about your financial goals, especially if you've spent years measuring your progress against someone else's idea of success. You don't have to reach a certain income or savings balance to be worthy of a good life. But you can begin making financial decisions today that give you more options tomorrow. What You'll Learn Why financial independence is about more than retirement savings or reaching a particular dollar amountHow having financial options can make a difference during caregiving and unexpected life changesWhy your income, net worth, or financial circumstances don't determine your valueHow to think about money in terms of the choices and flexibility it gives youWhy it's worth reconsidering financial goals that no longer fit the life you wantHow small, intentional decisions can help you build more financial breathing room over timeA Question to Take With You Instead of asking yourself whether you've reached someone else's definition of financial success, try asking: What choices do I want my money to give me? That question may change the way you think about what you're working toward. Wondering, "Can I afford that?" Get a clearer picture of your money with Natalie Kime's free Can I Afford That? Checklist. No complicated spreadsheets or financial jargon. Download your copy at https://www.chatwithnapodcast.com/ Thank you for listening to Chat With Nat: Caregiving, Money & Real Life Solutions. This podcast is your trusted guide for caregiving strategies, caregiver support, long-distance caregiving tips, financial planning for families, and managing caregiver burnout. Each week, we provide actionable advice, expert interviews, real caregiver stories, and practical tools to help you navigate caregiving challenges, protect your finances, and care with confidence. Whether you’re caring for aging parents, managing adult children with special needs, or balancing caregiving with work, Chat With Nat is here to help you care smarter, avoid burnout, and feel supported every step of the way. Subscribe on your favorite podcast platform and never miss an episode about caregiver tips, dementia care, financial guidance for caregivers, and emotional support for those caring for loved ones. Join our community and get access to caregiving resources, practical tools, and expert advice to make your caregiving journey easier. Get my FREE Financial Check-up Guide Connect with me on: Facebook Instagram LinkedIn The content shared on this podcast is meant to ...

  2. Oct 14

    When Your Lifeline Is a Nurse: What Caregivers Need When They Don’t Know What to Do

    Tell Natalie what you love about this episode, text here! In this episode of Chat with Nat, Natalie is joined by her niece Aspen, a registered nurse who became one of Natalie’s most important lifelines during the final months of her mom’s caregiving journey. Aspen experienced Nana’s decline from two perspectives at the same time. She was a nurse who understood the medical language, changing symptoms, medications, and the seriousness behind certain changes. She was also a granddaughter watching someone she loved slowly decline from 1,200 miles away. Together, Natalie and Aspen talk about the difference between understanding illness professionally and experiencing it personally, what family members may not realize about the amount of work involved in 24-hour caregiving, how caregiver burnout looks from the outside, and why asking for help sooner can change the experience for everyone involved. Aspen also shares practical insight about when caregivers should call their healthcare team, what information nurses may ask for, and why caregivers should never feel embarrassed about asking questions. This conversation is also about grief, memory, and family. Aspen shares what it meant to introduce her new baby to Nana shortly before her death, why she ultimately chose not to fly in for Nana’s final hours, and what her grandmother taught her about cooking, service, and finding joy even during hard seasons. What You Will Hear Why Natalie needed someone she trusted enough to ask the scary caregiving questionsHow Aspen became Natalie’s medical and emotional safe placeWhat it was like for Aspen to watch Nana decline from 1,200 miles awayThe difference between seeing decline as a nurse and experiencing it as a granddaughterWhy medical knowledge can sometimes make watching a loved one decline harderAspen’s struggle to turn off the nurse role and simply be Nana’s granddaughterThe emotional moment when Nana met Aspen’s baby, TheoThe family memories Natalie and Aspen cherish from Black Friday shopping and holidaysWhat Aspen saw happening to Natalie that Natalie could not see herselfWhy family members may underestimate how consuming caregiving becomesThe comparison between 24-hour caregiving and caring for a newbornWhy asking for help sooner is one of Natalie’s biggest lessonsHow respite, home health, hospice, hospital sitters, and other resources can help caregiversThe hospital experience that left Natalie physically and emotionally depletedWhy caregivers should ask hospitals about sitter programs or additional supportSmall medical tools that made caregiving easier for NatalieWhy caregivers should ask, “Is there a way to make this easier?”Symptoms caregivers should not be afraid to call aboutWhat information a nurse may ask for when you callWhy caregivers should never change medication dosing without medical guidanceThe value of knowing baseline vital signs when those tools are availableHow Aspen knew Nana was nearing the end of lifeThe reality of anticipatory griefWhy Aspen chose not to return for Nana’s final hoursNatalie’s experience staying beside her mom during her final nightWhat Nana taught Aspen about cooking, service, and caring for othersWhy laughter can still belong in grief and caregivingNatalie’s reminder that caregivers need caregivers tooThis episode reflects personal caregiving and nursing experiences and is intended for general education and support. Medical concerns and medication decisions should always be discussed with the appropriate healthcare professional. Wondering, "Can I afford that?" Get a clearer picture of your money with Natalie Kime's free Can I Afford That? Checklist. No complicated spreadsheets or financial jargon. Download your copy at https://www.chatwithnapodcast.com/ Thank you for listening to Chat With Nat: Caregiving, Money & Real Life Solutions. This podcast is your trusted guide for caregiving strategies, caregiver support, long-distance caregiving tips, financial planning for families, and managing caregiver burnout. Each week, we provide actionable advice, expert interviews, real caregiver stories, and practical tools to help you navigate caregiving challenges, protect your finances, and care with confidence. Whether you’re caring for aging parents, managing adult children with special needs, or balancing caregiving with work, Chat With Nat is here to help you care smarter, avoid burnout, and feel supported every step of the way. Subscribe on your favorite podcast platform and never miss an episode about caregiver tips, dementia care, financial guidance for caregivers, and emotional support for those caring for loved ones. Join our community and get access to caregiving resources, practical tools, and expert advice to make your caregiving journey easier. Get my FREE Financial Check-up Guide Connect with me on: Facebook Instagram LinkedIn The content shared on this podcast is meant to ...

  3. Oct 7

    Nobody Prepared Me for Caregiving, When Did I Become the Parent?

    Tell Natalie what you love about this episode, text here! There can come a moment in adulthood when the person who spent their life taking care of you suddenly needs you to take care of them. You are holding the medication, scheduling the appointments, making decisions about safety, considering whether they can remain at home, and trying to determine how much help they need. Somewhere in the middle of all of that, you may find yourself wondering: When did I become the parent? In Episode 3 of Natalie Kime’s Nobody Prepared Me for Caregiving series, Natalie talks about the emotional role reversal that can happen when caring for an aging parent, particularly when dementia, cognitive decline, or increasing physical needs are involved. After years of caring for her mom through vascular dementia, Natalie came to an important realization. She did not actually become her mom’s mom. Yvonne was still her mother, and Natalie was still her daughter. The responsibilities changed, but the relationship did not disappear. Natalie shares some of the early signs that her mom’s memory was changing, including moments the family initially laughed off because they did not yet understand what they were seeing. She talks about learning to meet her mom where she was instead of continually comparing her to who she used to be, and she shares the painful lesson she learned around food as her mom reached the final stages of dementia. This episode also explores the decisions that break a caregiver’s heart, the guilt that can remain even when you know you did your best, and Natalie’s wish that she had brought hospice into the picture sooner. Most importantly, Natalie encourages caregivers not to become so consumed by caring for their person that they forget to simply be with them. Take the picture. Record their voice. Ask the questions. Hold their hand. Sit beside them without accomplishing anything. There will always be another caregiving task. There will not always be another Tuesday with your person. What You Will HearThe moment many adult children realize the roles with their parents have changedWhy Natalie realized she never truly became her mom’s parentThis week’s Money Minute: getting financial and medical authority before you need itImportant documents families should locate before a crisisWhy having money does not help if nobody has the legal authority to manage itEarly warning signs Natalie and her brother noticed before their mom’s vascular dementia diagnosisWhy families sometimes explain away cognitive changesThe Father’s Day phone call that made Natalie and her brother realize something significant had changedWhy caregiving can become so task-focused that the relationship underneath gets lostWhat “meet them where they are” came to mean for NatalieNatalie’s emotional struggle around feeding her mom as dementia progressedWhat changed when she stopped focusing on how much her mom used to eatWhy understanding the stage of a diagnosis can help caregivers adjust expectationsThe heartbreaking decisions caregivers may face around hospitals, home health, food, medical intervention, and hospiceWhy caregiver guilt can continue even after the person has diedNatalie’s belief that she did the best she could with the information she hadWhy Natalie wishes she had called hospice earlierWhat changed when hospice allowed her to become more fully present as a daughterWhy Natalie wishes she had documented more moments with her momThe value of recording voices, laughter, stories, conversations, and everyday momentsWhy the caregiving tasks will not be what you miss mostHow roles can change without erasing the relationshipNatalie’s reflection on walking her mom through the end of her lifeWhy caregivers should make time to simply be with the person they love Wondering, "Can I afford that?" Get a clearer picture of your money with Natalie Kime's free Can I Afford That? Checklist. No complicated spreadsheets or financial jargon. Download your copy at https://www.chatwithnapodcast.com/ Thank you for listening to Chat With Nat: Caregiving, Money & Real Life Solutions. This podcast is your trusted guide for caregiving strategies, caregiver support, long-distance caregiving tips, financial planning for families, and managing caregiver burnout. Each week, we provide actionable advice, expert interviews, real caregiver stories, and practical tools to help you navigate caregiving challenges, protect your finances, and care with confidence. Whether you’re caring for aging parents, managing adult children with special needs, or balancing caregiving with work, Chat With Nat is here to help you care smarter, avoid burnout, and feel supported every step of the way. Subscribe on your favorite podcast platform and never miss an episode about caregiver tips, dementia care, financial guidance for caregivers, and emotional support for those caring for loved ones. Join our community and get access to caregiving resources, practical tools, and expert advice to make your caregiving journey easier. Get my FREE Financial Check-up Guide Connect with me on: Facebook Instagram LinkedIn The content shared on this podcast is meant to ...

  4. Sep 30

    How Are We Going to Pay for Care? The Financial Reality of Family Caregiving

    Tell Natalie what you love about this episode, text here! There is a question millions of families eventually ask, and many ask it too late: How are we going to pay for our loved one’s care? Not groceries. Not prescriptions. Not one doctor’s appointment. Actual ongoing care. What happens when someone needs help bathing, dressing, eating, taking medications, or getting safely through the day? What happens if they cannot be left alone? What if a spouse or adult child has to reduce work hours, take unpaid leave, or stop working altogether? In Episode 2 of Natalie Kime’s three-part Nobody Prepared Me for Caregiving series, Natalie takes a practical look at the financial side of caregiving and long-term care. Drawing from her own experience caring for her mom through vascular dementia and continuing to support her dad, Natalie explains why the cost of care goes far beyond a nursing home or home-care bill. Families may also face lost income, reduced retirement savings, unpaid family labor, travel expenses, home modifications, medical equipment, supplies, and years of postponed financial goals. Natalie walks listeners through the five financial numbers every family should know before a crisis: monthly income, monthly expenses, liquid savings, retirement and other assets, and the potential care gap. She also explains why having money is not the same as being prepared, why Medicare should not be mistaken for a long-term care plan, and why the caregiver’s financial future needs to be part of the family care conversation too. This episode is not about predicting every possible future expense. It is about understanding what exists now, identifying the gaps, and beginning the conversations while your family still has time and choices. What You Will HearWhy families often underestimate the true cost of caregivingThe difference between the direct care bill and the total financial impact of careWhy unpaid caregiving is not cost-freeThe five financial numbers every family should know before a crisisHow to create a one-page care cost snapshotWhy liquid savings and total net worth are not the same thingHow lost wages, reduced retirement contributions, unpaid leave, and missed opportunities affect caregiversWhy “We have everything handled” is not enough of a financial planImportant questions about powers of attorney, healthcare proxies, insurance, and legal authorityWhy having assets is not the same as being prepared to use themWhat Natalie learned about Medicare while caring for her momWhy Medicare and custodial long-term care are not the same thingResources families may need to investigate, including Medicaid, long-term care insurance, living benefits, veteran benefits, savings, and community programsWhy caregivers need to consider their own retirement and futureNatalie’s experience helping her parents preserve resources while providing care at homeWhy savings create options but do not create a complete care planHow home modifications can become a major caregiving expenseWhy it must be acceptable for an adult child to say no to becoming the caregiverWhy love alone cannot fund a care planHow to hold a productive family money meetingFive questions that can uncover a family’s care gapWhy families need to determine who will step in if money is not enoughHow to create a care folderWhy families should research local care costs before they need careThe importance of identifying legal decision-makers and backupsWhy the most expensive caregiving conversation may be the one your family keeps postponingWondering, "Can I afford that?" Get a clearer picture of your money with Natalie Kime's free Can I Afford That? Checklist. No complicated spreadsheets or financial jargon. Download your copy at https://www.chatwithnapodcast.com/ Thank you for listening to Chat With Nat: Caregiving, Money & Real Life Solutions. This podcast is your trusted guide for caregiving strategies, caregiver support, long-distance caregiving tips, financial planning for families, and managing caregiver burnout. Each week, we provide actionable advice, expert interviews, real caregiver stories, and practical tools to help you navigate caregiving challenges, protect your finances, and care with confidence. Whether you’re caring for aging parents, managing adult children with special needs, or balancing caregiving with work, Chat With Nat is here to help you care smarter, avoid burnout, and feel supported every step of the way. Subscribe on your favorite podcast platform and never miss an episode about caregiver tips, dementia care, financial guidance for caregivers, and emotional support for those caring for loved ones. Join our community and get access to caregiving resources, practical tools, and expert advice to make your caregiving journey easier. Get my FREE Financial Check-up Guide Connect with me on: Facebook Instagram LinkedIn The content shared on this podcast is meant to ...

  5. Sep 23

    I Love Them, But I’m Exhausted: The Caregiver Burnout No One Talks About

    Tell Natalie what you love about this episode, text here! You can love someone with your entire heart and still feel completely exhausted because you are caring for them. You can be grateful they are here and still wish you had one day when nobody needed you. You can choose caregiving and still have moments when you think, “I can’t do this today.” Then comes the guilt. In this first episode of Natalie Kime’s three-part Nobody Prepared Me for Caregiving series, Natalie talks openly about the parts of caregiving people often struggle to admit out loud: burnout, resentment, exhaustion, guilt, losing yourself inside the caregiver role, and the difficulty of asking for help. Natalie shares that she chose caregiving. She knew long before her parents needed her that she wanted to care for them, and she would make that choice again. But choosing something does not make it easy. Gratitude for the opportunity to care for someone and exhaustion from the responsibility can live in the same heart. She also reflects on how caregiving slowly became part of her identity, how her own health suffered when she stopped prioritizing herself, and the realization that if she did not begin caring for herself, she would eventually lose the ability to care well for anyone else. This episode also tackles the complicated question, “What can I do to help?” Natalie explains why that question can sometimes create more work for an overwhelmed caregiver and why specific offers, such as bringing a meal, sitting with a loved one for an hour, helping with groceries, or taking over a household task, can be far more useful. Through her own experience with family, respite care, professional help, home health, friends, church community, and her son stepping into a support role, Natalie offers practical ways caregivers can begin taking pressure off themselves. Her challenge is simple: do not solve the next five years tonight. Look at tomorrow and ask what someone else could do, what you are doing because you feel guilty saying no, and what would make this week 10% easier. What You Will HearWhy loving someone deeply and feeling exhausted are not contradictionsWhy choosing caregiving does not mean you lose the right to admit it is hardThe guilt caregivers experience when they think they should be able to handle everythingNatalie’s personal experience caring for her mom through vascular dementiaHow Natalie’s caregiving journey continues with her dadThis week’s Money Minute: calculating the hidden financial cost of caregivingLost income, reduced work hours, lost retirement contributions, PTO, credit card use, and delayed financial goalsWhy there is a cost to care even when nobody sends you a billHow caregiving can slowly become your entire identityThe warning sign hidden in answering “How are you?” by talking only about the person you care forHow neglecting her own health affected NatalieWhy small breaks and simple pleasures became important to herWhy caregivers often struggle when someone asks, “What can I do to help?”How friends and family can offer more useful, specific supportWhy asking for help can actually be part of fulfilling your caregiving responsibilityThe role Natalie’s son played as a respite caregiverHow siblings, extended family, friends, churches, home health, and professional caregivers can share the loadWhy help does not have to be local to be meaningfulHow hiring help for household tasks can relieve caregiver pressureThree questions Natalie wants every exhausted caregiver to askWhy boundaries matter when caregiving already consumes so much capacityHow Natalie dramatically reduced travel and business commitments during the most intense season of her mom’s careWondering, "Can I afford that?" Get a clearer picture of your money with Natalie Kime's free Can I Afford That? Checklist. No complicated spreadsheets or financial jargon. Download your copy at https://www.chatwithnapodcast.com/ Thank you for listening to Chat With Nat: Caregiving, Money & Real Life Solutions. This podcast is your trusted guide for caregiving strategies, caregiver support, long-distance caregiving tips, financial planning for families, and managing caregiver burnout. Each week, we provide actionable advice, expert interviews, real caregiver stories, and practical tools to help you navigate caregiving challenges, protect your finances, and care with confidence. Whether you’re caring for aging parents, managing adult children with special needs, or balancing caregiving with work, Chat With Nat is here to help you care smarter, avoid burnout, and feel supported every step of the way. Subscribe on your favorite podcast platform and never miss an episode about caregiver tips, dementia care, financial guidance for caregivers, and emotional support for those caring for loved ones. Join our community and get access to caregiving resources, practical tools, and expert advice to make your caregiving journey easier. Get my FREE Financial Check-up Guide Connect with me on: Facebook Instagram LinkedIn The content shared on this podcast is meant to ...

  6. Sep 16

    Comfort Care at the End of Life: The Fear, Guilt, and Questions Caregivers Carry

    Tell Natalie what you love about this episode, text here! “What if I give her the medicine and she doesn’t wake back up?” It is a terrifying thought that many caregivers may have when someone they love reaches the end of life. In this deeply personal episode of Chat with Nat, Natalie Kime talks about the fear and guilt that can surround comfort medications during hospice care. She is not approaching this conversation as a doctor or hospice nurse. She is sharing it as a daughter who stood beside her mom’s bed, held the medication in her hands, and wrestled with many of the same questions other caregivers silently carry. Natalie recorded this episode from Utah after the passing of her aunt, only a few months after losing her mom. Watching her cousin and her daughters navigate hospice and comfort medications brought Natalie back to her own experience and reinforced how important it is for caregivers to know that they do not have to carry the medical responsibility alone. Natalie shares what it felt like when her mom’s comfort kit first arrived, why morphine carried so much emotional weight for her, and how the transition from trying to treat and strengthen someone to focusing on comfort can feel like crossing an emotional line. She also talks about the enormous relief that came from having hospice nurses guide her through every step, including when to begin the medications, what changes to watch for, when to call, and how to ask questions whenever something felt uncertain. This is not a clinical guide to end-of-life medication. Medication choices, dosages, timing, and symptoms should always be discussed with the hospice or medical team caring for the individual. Instead, this episode is about the caregiver standing beside the bed wondering whether they are doing the right thing. Natalie’s message is compassionate and clear: comfort care is still care, asking for help is part of caregiving, and choosing comfort is not the same as choosing death. What You Will HearWhy comfort medications can create fear and guilt for caregiversThe questions Natalie wrestled with while caring for her momWhy the arrival of a hospice comfort kit can feel emotionally significantHow Natalie’s experience with her mom differed from what she recently observed with her aunt’s hospice careWhy caregivers should ask their hospice team what each medication is for and when it should be givenThe emotional transition from treating and strengthening someone to focusing on comfortWhy choosing comfort is not the same as choosing deathNatalie’s personal fear around morphine and what changed once she saw how it helped her mom relaxWhy changes during active dying can be difficult for caregivers to separate from the effects of medicationThe importance of asking hospice whether what you are seeing is part of the dying processWhy caregivers should never change medication doses on their ownHow the hospice team helped Natalie move from being the full-time caregiver back into being her mom’s daughterWhy guilt can exist whether a caregiver gives medication or hesitates to give itWhat “comfort is care” came to mean for NatalieHow love can shift from trying to keep someone here to making their remaining time peacefulWhy Natalie encourages families to understand hospice before they need itHow financial planning and care planning intersect before a crisisWhy caregivers should call hospice whenever they feel unsure, afraid, or concernedWondering, "Can I afford that?" Get a clearer picture of your money with Natalie Kime's free Can I Afford That? Checklist. No complicated spreadsheets or financial jargon. Download your copy at https://www.chatwithnapodcast.com/ Thank you for listening to Chat With Nat: Caregiving, Money & Real Life Solutions. This podcast is your trusted guide for caregiving strategies, caregiver support, long-distance caregiving tips, financial planning for families, and managing caregiver burnout. Each week, we provide actionable advice, expert interviews, real caregiver stories, and practical tools to help you navigate caregiving challenges, protect your finances, and care with confidence. Whether you’re caring for aging parents, managing adult children with special needs, or balancing caregiving with work, Chat With Nat is here to help you care smarter, avoid burnout, and feel supported every step of the way. Subscribe on your favorite podcast platform and never miss an episode about caregiver tips, dementia care, financial guidance for caregivers, and emotional support for those caring for loved ones. Join our community and get access to caregiving resources, practical tools, and expert advice to make your caregiving journey easier. Get my FREE Financial Check-up Guide Connect with me on: Facebook Instagram LinkedIn The content shared on this podcast is meant to ...

  7. Sep 9

    When Did I Become the Parent? Caring for Aging Parents With Dignity and Love

    Tell Natalie what you love about this episode, text here! Do you remember the first time you realized the roles had changed? Maybe it was the first time you reminded your dad to take his medication. Maybe it was when your mom called because she could not figure out a bill. Maybe it was when you had to take away the car keys, or when you sat in a doctor’s office answering questions for the person who used to answer all the questions for you. There is not usually an announcement that says, “Congratulations, you’re the caregiver now.” It just happens. In this episode of Chat with Nat, Natalie Kime talks about one of the strangest transitions many adults face: the moment you begin parenting the people who parented you. Caregiving rarely begins with moving a parent into your home. It often begins with small things, like grocery runs, doctor’s appointments, looking at bills, calling the insurance company, checking whether they have eaten, or calling more often because something does not feel right. At some point, you realize you are not just helping Mom or Dad anymore. You are helping manage their life. Natalie shares how to recognize the early signs of role reversal, how to step in without stripping away dignity, and why the goal is not to take control, but to partner with aging parents so the transition is as safe, loving, and respectful as possible. She also shares this week’s money minute: creating a parent financial snapshot. This simple one-page overview can help families know where key documents, policies, accounts, and contacts are located before a crisis happens. This episode is for adult children, caregivers, support caregivers, and families who know the caregiving conversation is coming, but are not sure where to begin. What You Will HearThe moment adult children realize the parent-child role has shiftedWhy caregiving usually begins with small tasks, not a dramatic announcementHow to support aging parents without immediately taking overWhy preserving dignity and independence mattersThis week’s money minute: creating a parent financial snapshotWhat to include in a parent financial snapshotWhy organization costs almost nothing, but disorganization during a crisis can cost a family tremendouslyEarly warning signs in finances, physical ability, cognition, and emotionsHow unpaid bills, unusual purchases, or scams can signal the need for supportWhy adult children need to create space for parents to talk about red flagsPhysical signs that may mean parents need more helpCognitive signs such as repeated questions, missed appointments, confusion, or poor judgmentEmotional signs such as isolation, fear, anger, or denialWhy needing help does not mean losing the right to make decisionsHow to use language that reassures parents you are not taking overWhy frustration and guilt are common in caregivingHow Natalie is navigating caregiving differently with her dad after her mom’s passingThe difference between doing things for parents and doing things with parentsWhy asking, “What can we still do together?” can preserve dignityWhy families should not wait for a crisis to have hard conversationsQuestions to ask aging parents about care, housing, documents, insurance, and quality of lifeHow to identify the gaps between what parents want and what adult children can provideWhy planning can preserve independenceThree steps to take this week to start building a family care plan Wondering, "Can I afford that?" Get a clearer picture of your money with Natalie Kime's free Can I Afford That? Checklist. No complicated spreadsheets or financial jargon. Download your copy at https://www.chatwithnapodcast.com/ Thank you for listening to Chat With Nat: Caregiving, Money & Real Life Solutions. This podcast is your trusted guide for caregiving strategies, caregiver support, long-distance caregiving tips, financial planning for families, and managing caregiver burnout. Each week, we provide actionable advice, expert interviews, real caregiver stories, and practical tools to help you navigate caregiving challenges, protect your finances, and care with confidence. Whether you’re caring for aging parents, managing adult children with special needs, or balancing caregiving with work, Chat With Nat is here to help you care smarter, avoid burnout, and feel supported every step of the way. Subscribe on your favorite podcast platform and never miss an episode about caregiver tips, dementia care, financial guidance for caregivers, and emotional support for those caring for loved ones. Join our community and get access to caregiving resources, practical tools, and expert advice to make your caregiving journey easier. Get my FREE Financial Check-up Guide Connect with me on: Facebook Instagram LinkedIn The content shared on this podcast is meant to ...

  8. Sep 2

    Through My Son’s Eyes: The Support Caregiver Story

    Tell Natalie what you love about this episode, text here! We talk a lot about the primary caregiver. The person managing appointments, medications, decisions, sleepless nights, and the emotional weight of watching someone they love decline. But caregiving often has a supporting cast. Sometimes it is a spouse, a sibling, a neighbor, a friend, or a child stepping in to help care for their grandparent. In this deeply personal episode of Chat with Nat, Natalie Kime is joined by her son, Braxton Kime, to talk about caregiving through his eyes. During the last few months of Natalie’s mom’s life, Braxton became part of the caregiving team. He helped with physical care, range of motion exercises, moving his Nana when she could no longer move herself, giving Natalie and Papa moments to step away, and spending time with Nana when conversation was no longer easy. This conversation explores what it means to be the support caregiver, the person who may not carry the full weight every day, but whose presence can make it possible for the primary caregiver to keep going. Braxton shares memories of his Nana before dementia, what it was like to see her decline, the hospital night that helped him understand how much she had changed, the emotional weight he saw Natalie carrying, and the moments of laughter, love, and closure that stayed with him. Together, Natalie and Braxton talk about dementia, family caregiving, anticipatory grief, support roles, caregiving guilt, resilience, financial preparation, and the importance of having hard conversations before crisis arrives. This episode is a reminder that caregiving does not happen to just one person. It happens to a family. What You Will HearWhy caregiving often has a supporting castWhy Natalie wanted listeners to hear the caregiving story through Braxton’s eyesBraxton’s early memories of Nana, including head massages, late-night news, pillow forts, and hide-and-seekThe three words Braxton used to describe Nana before dementia: strong, strict, and lovingWhen Braxton first realized Nana was changingWhat it was like to see Natalie become a caregiverWhy dementia added a mental and emotional layer Braxton was not prepared forThe hospital night with sundowning and hallucinations that showed Braxton how far Nana had declinedHow Braxton stepped in as part of the respite and caregiving teamWhy support caregivers matter, even when they only step in for a few hoursWhat Braxton saw happening to Natalie in survival modeThe tension between choosing caregiving and still feeling the weight of what it costsWhy caregiving is almost always two things at onceWhat people misunderstand about primary caregiversThe moments of humor and joy that helped the family keep goingWhy comfort can be more important than correction in dementia caregivingThe beauty of making Nana smile when words were no longer easyHow Braxton experienced anticipatory grief and closureThe contrast between losing his father suddenly and walking with Nana through her final declineHow Braxton became a rock for Natalie and PapaWhy military training did not prepare him emotionally for caregivingThe moment he realized Nana was getting close to the endWhat Braxton was grateful he got to say before Nana passedWhy financial preparation matters for the next generationBraxton’s closing reminder to take care of your familyEpisode SummaryThis episode gives listeners a rare and meaningful perspective on caregiving: the view from the support caregiver. Natalie is joined by her son, Braxton, who helped care for his Nana during the final months of her life. He was not the primary caregiver, but he became one of the people quietly stepping in with extra hands, emotional steadiness, respite, physical help, and moments of connection. Braxton begins by sharing memories of Nana before dementia: head massages, watching the 11 o’clock news, running around the house, and building pillow forts that Nana would come destroy just because she wanted to join the fun. He describes Nana before dementia as strong, strict, and loving. As the conversation continues, Braxton shares when he began realizing she was changing. After he moved out of the house, Nana would ask where he was going, where he lived, and who lived in the home. Those conversations became some of the first signs that dementia was changing her understanding of place, people, and memory. Natalie and Braxton also discuss what it was like for him to come home from the military and see Nana and Papa living in Natalie’s home. At first, the biggest change he noticed was physical. Nana was less independent, needed help moving around, and eventually relied on a wheelchair. But as he became more involved in her care, Braxton realized the mental side of dementia added an entirely different layer. One of the hardest moments he describes was a hospital night when Natalie and Papa needed sleep, and Braxton stayed with Nana. As the sun went down, she began experiencing sundowning and hallucinations. She asked repeated questions, became scared, talked to people who were not there, and panicked when Braxton moved around the room. That night gave him a clearer understanding of how much she had changed. Braxton also shares what he saw happening to Natalie during the last few months. He noticed her living in survival mode, focused constantly on Nana and Papa. He saw the stress, frustration, anger, love, responsibility, and the struggle between caring for someone deeply and feeling like parts of your own life have disappeared. One of the most important themes in the episode is that caregiving is often two things at once. It can be an honor and still be exhausting. It can be chosen and still feel heavy. It can be full of love and still include frustration. It can bring closure and still break your heart. The episode also includes moments of laughter, especially around Nana’s forgetfulness, her theatrical responses, and the time she threatened Papa with her “real husband,” not realizing the man sitting beside her was Papa. Natalie and Braxton talk about learning that, with dementia, comfort is sometimes more important than correction. Braxton reflects on the moments that meant the most to him, especially being able to make Nana smile even when she could no longer speak much. He shares the powerful moment when he told her he loved her and she looked at him and said, “I love you,” some of the last words he heard from her. The conversation also explores grief. Braxton had lost his father earlier that same year in a very different way, with little warning and without the same opportunity for closure. Walking through Nana’s decline was painful, but it gave him time to grieve, say what mattered, and become a support for Natalie and Papa from a place of understanding. Toward the end, Natalie asks Braxton what she can do now so that caring for her someday does not become an impossible burden. Braxton says she is already doing the financial preparation, including life insurance and savings, that can help make care less financially overwhelming. This brings the episode back to one of Natalie’s ongoing messages: one of the greatest gifts we can give the next generation is making sure they do not have to destroy their own financial future to care for us. This episode is tender, wise, funny, honest, and deeply human. It is for primary caregivers, support caregivers, adult children, grandchildren, spouses, and every family trying to understand how to care for one another before crisis comes. Pull Quotes“Caregiving often has a supporting cast.” “There are moments as a mother when you look at your child and realize they aren’t a Wondering, "Can I afford that?" Get a clearer picture of your money with Natalie Kime's free Can I Afford That? Checklist. No complicated spreadsheets or financial jargon. Download your copy at https://www.chatwithnapodcast.com/ Thank you for listening to Chat With Nat: Caregiving, Money & Real Life Solutions. This podcast is your trusted guide for caregiving strategies, caregiver support, long-distance caregiving tips, financial planning for families, and managing caregiver burnout. Each week, we provide actionable advice, expert interviews, real caregiver stories, and practical tools to help you navigate caregiving challenges, protect your finances, and care with confidence. Whether you’re caring for aging parents, managing adult children with special needs, or balancing caregiving with work, Chat With Nat is here to help you care smarter, avoid burnout, and feel supported every step of the way. Subscribe on your favorite podcast platform and never miss an episode about caregiver tips, dementia care, financial guidance for caregivers, and emotional support for those caring for loved ones. Join our community and get access to caregiving resources, practical tools, and expert advice to make your caregiving journey easier. Get my FREE Financial Check-up Guide Connect with me on: Facebook Instagram LinkedIn The content shared on this podcast is meant to ...

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About

Caring for aging parents or loved ones while managing your career, finances, and your own life can feel overwhelming, isolating, and financially stressful.  balancing work, and feeling overwhelmed by financial decisions, Chat With Nat is your trusted resource.  Chat with Nat, a caregiving podcast focused on caregiver support, financial planning for caregivers, and navigating the real-life challenges of balancing care, money, and well-being. Nat dives into the caregiving topics that matter most, caregiving strategies, emotional support, financial planning, budgeting tips, and real‑world solutions that help you care with confidence without sacrificing your own future. From practical episodes on how to pay for care, plan ahead financially, avoid burnout, and navigate family caregiving challenges, to honest conversations with experts, caregivers, and advocates — this show gives you the clarity, community, and tools you need to protect your money, your time, and your wellbeing. Whether you’re newly caring for a loved one or have been at it for years, Chat With Nat is here to help you care smarter, not harder. Hosted by Natalie (Nat), this show brings honest conversations and practical guidance to help you manage caregiver stress, avoid burnout, and feel more confident in both your caregiving role and your financial decisions. Each episode explores: Caregiver support and strategies for everyday challengesFinancial planning, money management, and the cost of caregivingCaregiver burnout, mental health, and setting boundariesBalancing caregiving with work, family, and personal lifeSupporting aging parents and navigating complex family dynamics Whether you’re a family caregiver, supporting an aging parent, or planning for the financial and emotional impact of care, you’ll find relatable stories, expert insights, and actionable advice you can actually use. If you’re looking for guidance on caregiving and finances, without the fluff, this podcast will help you feel supported, prepared, and less alone.

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