In this episode of the START WELL™ podcast, we speak  with Marc Bineham, author of "The Money Sandwich." With over three decades of experience as a financial adviser, Marc brings a wealth of insight into the challenges faced by the "sandwich generation" – those caught between the responsibilities of raising children and caring for aging parents.   Marc's book is a beacon of guidance for individuals navigating this complex phase of life. He understands the time constraints that pull people in multiple directions, often hindering their ability to plan effectively for their financial futures. What sets "The Money Sandwich" apart is its recognition of the diversity of circumstances among its readers. Marc advocates for a step-by-step approach tailored to each individual's unique situation, rather than imposing a one-size-fits-all solution.   One of the book's standout features is Marc's pragmatic approach to financial management. He emphasizes progress over perfection, encouraging readers to work within their means and make incremental strides towards their goals. Rejecting the notion of strict budgets or demonizing credit cards, Marc empowers his audience to take control of their finances without feeling overwhelmed by unrealistic expectations.   Central to "The Money Sandwich" are the real-life stories woven throughout its pages. Drawing from his extensive client interactions, Marc shares anecdotes that illustrate the diverse challenges and triumphs experienced by individuals in similar circumstances. From managing money with his own daughters to educating grandparents on the intricacies of investing, Marc offers practical insights gleaned from personal and professional experiences alike.   A key concept discussed in the book is the "Goldilocks phenomenon" observed in retirement planning. Marc highlights how individuals often gravitate towards the default option within their superannuation, opting for a balanced approach out of fear of making the wrong choice. However, he cautions against this mindset, as it can significantly impact long-term returns and hinder financial growth. By challenging conventional wisdom and providing actionable advice, Marc empowers readers to make informed decisions that align with their financial objectives.   Tune in to this enlightening episode as Marc Bineham shares his expertise on navigating the financial complexities of the "sandwich generation" and offers invaluable insights for securing a prosperous future. General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision. You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).