This as-told-to essay is based on a conversation with Kim Berling, 66, who lives in Albuquerque. Berling and her husband, 72, are caring for his 99-year-old mom , and both work to support her. This interview has been edited for length and clarity.

I have five adult children. I do financial advising and insurance sales. I’ve lived in New Mexico my whole life. My husband runs his own company as a technician for ATMs, going out to install or repair them.

My father died in 2018 from prostate cancer. My mother is 86 and lives on her own. I live close to her, as do the rest of my four siblings. She doesn’t have any health issues that require care at…