{"id":4019,"date":"2022-03-11T08:00:00","date_gmt":"2022-03-11T01:00:00","guid":{"rendered":"https:\/\/rocketpocket.id\/?p=4019"},"modified":"2022-09-20T09:42:11","modified_gmt":"2022-09-20T02:42:11","slug":"sandwich-generation","status":"publish","type":"post","link":"https:\/\/whiz.id\/id\/sandwich-generation\/","title":{"rendered":"Sandwich Generation – Definisi, Tipe, dan Cara Memutus Rantainya"},"content":{"rendered":"\n

Sandwich Generation \u2013 <\/strong>Mungkin kamu sudah tidak asing dengan istilah sandwich generation<\/em>. Generasi sandwich<\/em> atau sandwich generation <\/em>belakangan ini menjadi topik hangat yang kerap kali diucapkan oleh para pakar keuangan, terutama ketika membahas finansial generasi milenial. <\/p>\n\n\n\n

Memangnya apa sih sandwich generation<\/em> itu? Apa saja tipe-tipenya dan bagaimana cara memutus rantainya? Whiz sudah merangkum jawabannya untuk kamu, nih. <\/p>\n\n\n\n

Baca Juga:<\/strong> Arti Passion itu Apa, sih? Kenali Passion Kamu, yuk!<\/a><\/p>\n\n\n\n

\n\n\n\n

Apa itu Sandwich Generation<\/em>?<\/strong><\/h3>\n\n\n\n
\n
\"sandwich<\/figure>\n<\/div><\/div>\n\n\n\n

Dorothy A. Miller, Profesor dan direktur praktikum di Universitas Kentucky, Lexington, Amerika Serikat pertama kali mencetuskan istilah sandwich generation <\/em>pada tahun 1981. Menurutnya sandwich generation <\/em>adalah sekelompok individu yang bertanggung jawab atas kehidupan orang tua, diri sendiri, dan anak-anak mereka.<\/p>\n\n\n\n

Seperti sandwich, <\/em>roti bagian atas diibaratkan sebagai orang tua yang sudah tidak berpenghasilan dan hidup dengan biaya dari anak mereka. Bagian roti bawah digambarkan sebagai anak-anak yang harus dibesarkan dengan layak. <\/p>\n\n\n\n

Roti atas dan roti bawah mengapit bagian isi (daging, sayuran, dan saus) yang diibaratkan sebagai diri kita sendiri yang harus menghidupi keduanya. Dengan begitu, sandwich ganeration<\/em> dapat diibaratkan sebagai orang-orang yang “terjepit” secara finansial untuk menanggung suami\/istri dan anak, serta orangtua. <\/p>\n\n\n\n

Tiga Tipe Sandwich Generation<\/em><\/strong><\/h3>\n\n\n\n

Sandwich generation <\/em>dibagi menjadi tiga kategori usia. Berikut tipe-tipenya<\/a> berdasarkan seniorliving.org.<\/p>\n\n\n\n

1. The Traditional Sandwich Generation<\/em><\/strong><\/h4>\n\n\n\n

Pertama adalah tipe kelompok usia 40 sampai 50 tahun. Tipe ini menanggung kebutuhan anak yang belum bisa mandiri secara finansial dan menanggung orang tua lanjut usia yang sudah tidak lagi produktif bekerja.<\/p>\n\n\n\n

2. The Club Sandwich Generation<\/em><\/strong><\/h4>\n\n\n\n

Berisi tipe kelompok usia 50 sampai 60 tahun. Tipe ini menanggung hidup orang tua, anak yang seharusnya sudah dewasa, dan cucu mereka. <\/p>\n\n\n\n

Kelompok usia 30 sampai 40 tahun juga bisa masuk ke dalam tipe ini, jika mereka menanggung beban orang tua, anak, dan kakek-nenek mereka.<\/p>\n\n\n\n

3. The Open Faced Sandwich Generation<\/em><\/strong><\/h4>\n\n\n\n

Tipe ini terdiri dari orang-orang atau individu yang bekerja aktif merawat para lansia, seperti perawat di panti jompo atau orang-orang yang mengurus lansia di rumah.<\/p>\n\n\n\n

Cara Memutus Rantai Generasi Sandwich <\/em><\/strong><\/h3>\n\n\n\n
\n
\"sandwich<\/figure>\n<\/div><\/div>\n\n\n\n

Sandwich generation<\/em> atau generasi sandwich<\/em> dialami oleh sebagian besar masyarakat di Indonesia karena sudah menjadi tradisi bagi anak untuk membiayai keluarga dan orang tuanya. Terlebih kalau orangtua tinggal bersama dengan anak yang sudah menikah dan tidak memiliki tabungan hari tua. <\/p>\n\n\n\n

Namun, jika dibiarkan, generasi sandwich<\/em> ini akan kesulitan untuk meraih kebebasan finansialnya sendiri, lho. Oleh karena itu, sudah saatnya, nih, kita memutus rantai generasi sandwich <\/em>dan mengubah kesadaran masyarakat untuk lebih \u2018melek\u2019 keuangan. Yuk simak caranya berikut ini. <\/p>\n\n\n\n

1. Mengelola Keuangan dengan Baik<\/strong><\/h4>\n\n\n\n
\n
\"\"<\/figure>\n<\/div><\/div>\n\n\n\n

Hal utama dalam memutus rantai generasi sandwich <\/em>adalah mengelola keuangan dengan baik. Bagaimana caranya? Mulailah dengan mencatat arus keluar dan masuk keuangan yang kamu miliki. Buatlah pos-pos kebutuhan, utang, tabungan, dana darurat dan lain-lain. <\/p>\n\n\n\n

Dengan mengelola keuangan dengan baik, kamu bisa terus memonitor keuanganmu dan menghindari hal-hal yang tidak kamu inginkan. Untuk membantu mengelola keuanganmu, kamu bisa menggunakan Aplikasi Keuangan Whiz, lho!<\/p>\n\n\n\n

2. Menyiapkan Dana Pensiun<\/strong><\/h4>\n\n\n\n
\n
\"\"<\/figure>\n<\/div><\/div>\n\n\n\n

Menyiapkan dana pensiun dapat memutus rantai sandwich generation <\/em>karena jika kamu sudah memiliki dana untuk kehidupanmu di masa tua, otomatis kamu tidak akan bergantung kepada anakmu nanti.<\/p>\n\n\n\n

Kebanyakan anak muda terjebak generasi sandwich <\/em>karena orang tuanya tidak menyiapkan dana pensiun. Karena itu, selagi muda dan memiliki tenaga, bekerjalah dan siapkan dana pensiun sedini mungkin.<\/p>\n\n\n\n

3. Memiliki Asuransi Kesehatan dan Jiwa<\/strong><\/h4>\n\n\n\n

Asuransi sangat penting untuk dimiliki karena akan sangat membantu keuangan ketika ada hal-hal yang tidak diinginkan.<\/p>\n\n\n\n

Setiap orang setidaknya harus memiliki asuransi kesehatan. Kamu pasti sudah akrab bukan dengan istilah “Sehat itu mahal,” Istilah tersebut muncul karena biaya untuk pergi berobat itu memang mahal, apalagi sakit tidak bisa diprediksi, sehingga dapat mengacaukan keuanganmu jika tidak dipersiapkan sedini mungkin. <\/p>\n\n\n\n

Dengan asuransi kesehatan, kamu akan mendapat jaminan kesehatan mulai dari rawat inap, berobat jalan, melahirkan, dan lain-lain yang tentunya akan sangat membantu keuanganmu. Selain itu, membuat asuransi jiwa juga diperlukan karena tidak ada yang tahu tentang usia manusia. Dengan adanya asuransi jiwa, kamu bisa lebih tenang dan merasa terjamin.<\/p>\n\n\n\n

4. Menyiapkan Dana Pendidikan<\/strong><\/h4>\n\n\n\n
\n
\"\"<\/figure>\n<\/div><\/div>\n\n\n\n

Untuk memutus rantai generasi sandwich, <\/em>orang tua harus menyiapkan dana pendidikan untuk masa depan anak. Dengan memiliki perencanaan untuk biaya pendidikan anak, akan meringankan beban orang tua di kemudian hari.<\/p>\n\n\n\n

Cobalah untuk memperhitungkan pendidikan anak secara detail, sejak sekolah dasar hingga jenjang yang lebih tinggi, seperti perguruan tinggi. Pikirkanlah kebutuhan sekolah anak dan tempat anak bersekolah yang sesuai dengan kemampuan finansial keluarga, seperti uang saku, biaya SPP, hingga biaya tak terduga seperti kos dan transportasi. <\/p>\n\n\n\n

5. Mengajarkan Anak Pendidikan Keuangan Sedini Mungkin<\/strong><\/h4>\n\n\n\n

Melek finansial harus dilakukan oleh semua orang di segala kalangan dan segala usia. Memberikan pendidikan keuangan kepada anak dan mengajarkan anak untuk mandiri secara finansial akan sangat membantu dalam memutus rantai sandwich generation.<\/em><\/p>\n\n\n\n

Mulai ajarkan anak menabung, membedakan antara kebutuhan dan keinginan, dan tidak mengikuti gaya hidup konsumtif. Dengan begitu, anak akan mengerti bahwa mengelola keuangan sangat diperlukan untuk masa depan mereka nanti.<\/p>\n\n\n\n

Untuk membantu mengajarkan anak tentang keuangan, kamu bisa menggunakan Aplikasi Keuangan Whiz yang memiliki fitur-fitur menarik untuk orang tua dan anak-anak.<\/p>\n\n\n\n

Baca Juga:<\/strong> Cara Mengelola Uang Agar Berkembang: Pasti Berhasil!<\/a><\/p>\n\n\n\n

\n\n\n\n

Itu dia penjelasan mengenai sandwich generation. <\/em>Sudah saatnya orang tua mengubah pemikiran mereka bahwa anak-anak wajib menanggung biaya hidup orang tua di masa depan. Mulailah dengan memiliki kesadaran akan pentingnya pendidikan keuangan dan berikan edukasi keuangan kepada anak sedini mungkin.<\/p>\n\n\n\n

Aplikasi Keuangan Whiz, memiliki berbagai fitur menarik yang bisa membantu kamu dan keluarga mengelola keuangan kalian. Coba sekarang, yuk!<\/p>\n\n\n\n

YUK GUNAKAN APLIKASI KEUANGAN WHIZ SEKARANG JUGA!<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Sandwich Generation \u2013 Mungkin kamu sudah tidak asing dengan istilah sandwich generation. Generasi sandwich atau sandwich generation belakangan ini menjadi topik hangat yang kerap kali diucapkan oleh para pakar keuangan, terutama ketika membahas finansial generasi milenial.  Memangnya apa sih sandwich generation itu? Apa saja tipe-tipenya dan bagaimana cara memutus rantainya? Whiz sudah merangkum jawabannya untuk […]<\/p>\n","protected":false},"author":6,"featured_media":4004,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[9],"tags":[],"class_list":["post-4019","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting-purchasing-decisions"],"yoast_head":"\nSandwich Generation - Definisi, Tipe, dan Cara Memutus Rantainya – Whiz<\/title>\n<meta name=\"description\" content=\"Sandwich Generation nyatanya umum ditemukan di Indonesia. 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