Multigenerational Living: A Cost-Saving Strategy Amid Rising Expenses

A Multigenerational Living Experience in Vallejo, California

Teri Carlyle, a 58-year-old living with her sister and father in Vallejo, California, discusses the benefits of multigenerational living which has allowed her family to reduce living expenses. Carlyle’s story has been edited for clarity and length.

Teri Carlyle’s Journey: Multigenerational Living and Parental Care

Carlyle had a rich life experience, including knowing her great-grandparents and traveling the world. Her parents were married for 64 years, and they both moved in with her when they fell ill.

An Unexpected Health Crisis: Parental Health Decline and Caregiving

In 2021, Carlyle’s father had a stroke, which resulted in mobility issues. Carlyle’s mother was his primary caregiver. However, in April 2023, Carlyle’s mother suffered a sudden heart problem, leading to an increase in caregiving responsibilities and expenses.

Facing the Challenges of Elderly Care

When Carlyle’s mother sadly passed away, she had made provisions for her husband through her retirement funds. However, this required the family to cover a financial shortfall, leading to adjustments in their living arrangements and lifestyle.

The Impact of Health Crisis on Day-to-Day Living

In May 2025, Carlyle’s father experienced a severe health setback. Carlyle and her sister hired caregivers to manage his daily care. Despite the challenges, Carlyle appreciates the opportunity to spend precious time with her father.

Financial Adjustments for Elderly Care

To manage the increased expenses, Carlyle and her family made several modifications. They invest in a personal trainer for her father and pay for caregiving services. They are considering ways to increase their revenue, such as renting out their houses.

Life Lessons from Caregiving

Carlyle believes that caregiving should not be viewed as a burden. She considers it a “beautiful nightmare,” an act of love towards her parents. She encourages everyone to appreciate their elders and advises younger people to live their best lives while they can.

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