Carla Romagnano starts her day in the early morning hours, working full time as a bookkeeper and hiring manager for Albertsons grocery store chain in Coeur d’Alene. After her commute home, she sits in her car in her driveway for a few minutes to decompress before heading inside for her other full time job: caring for her 83-year-old mother, who has dementia.

“My mom always comes first, but I’m exhausted,” Romagnano told Scripps News. Her mother has long-term care insurance, but they estimate that will run out in a matter of months, so there’s endless stress trying to figure out finances to cover a part-time caregiver and medical costs.

“I’m constantly worried and wondering if I’m doing the right thing,” Romagnano said. “I’m trying to do the best I can with the knowledge I have and am try

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