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Hey everyone, I'm Jean Chatsky. Thanks so much for joining me today on her money. I cannot believe it's November already.

We are already well into fall complete with some chilly weather and football games and plenty of beautiful leaves in the park.

It is also finally the first time that many of our kids have truly been back in physical school or in a physical learning space since the pandemic began.

And to say that it hasn't been easy on moms or on caregivers, I think that would be the understatement of the decade.

Nearly half of all caregivers say they could just not handle another year like 2021 according to a new study from Fidelity.

And 42% of caregivers with kids say that if the school life doesn't fully return to normal soon, they feel like they will fall apart.

Almost the same number, 43% of working caregivers said they may be forced to choose between their job and caregiving responsibilities in the coming year.

That is scary stuff. And I know that all of you out there with young kids at home are probably just nodding right along with me right now.

But I suspect that many of you are probably also surprised that we are still here so late in 2021.

I feel like we've had so many fall starts to the end of this, but I do truly believe that 2022 is going to get better for women and for all of us who have been caregiving for children, for aging parents, for espouse, for a sibling, for another loved one.

By the way, it just has to get better. 79% of caregivers said the decision to give their time and energies in such a way has set them back on a variety of fronts.

Financial, social, mental health and their career, which is why today we are going to work towards really getting to that better place that we've been hearing about for so long.

And we're not just going to cross our fingers and hope for the best we are going to talk about active concrete strategies that we can employ for the rest of this year and into next year and beyond to help us get where we need to go.

I'm so excited to be joined by Meredith Stoddard, vice president of life events planning at fidelity in her role.

Meredith's focus is helping people through the most important events in their lives, including things like job loss or a new baby or caring for an aging loved one or going through a divorce.

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