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Retirement takes an unexpected turn as grandparents step back into parenting and face the emotional and financial demands of raising a second generation.

Remember those dreams of a relaxing retirement filled with travel, hobbies, and occasional babysitting duties? For millions of Americans, that vision has transformed into something entirely different: full-time parenting in their later years. The shift toward grandparents raising grandchildren has become one of the most significant demographic trends reshaping American households.