Elder care is crushing family finances. These 4 families had to get creative to make it work.

Kim Berling anticipates living a very long life. Much of it, though, may not go as she wants.

Berling, 66, and her husband, 72, have cared for her 99-year-old mother-in-law. Both work to support her as her memory fades and her health declines. Berling and her husband, who lives in Albuquerque, make the nine-hour drive to visit her in Texas once a month and help pay for caregivers. Neither of them has anything saved for their long-term care.

“We work because we have to, not because we want to,” Berling said.

Are you paying for your own or your loved one’s long-term care? Do you have thoughts to share about long-term care in the US? To share your…