Home loan EMIs, children’s school fee, phone upgrade, car repairs, saving for retirement.. the list is endless. Couples with kids face a different kind of financial music—balancing the wants with the needs. Some of the financial goals are negotiable, even as some others can’t be compromised with. You can postpone the vacation, but you can’t postpone the year your child will go to college. And, if you are from the sandwich generation that has the responsibility of managing your parents, as well as your children, life could be challenging financially.