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

Business Insider has talked to several families in the US about the high costs of elder care. Courtesy of the families Eldercare costs have soared as families juggle financial strain and caregiving for aging loved ones. Dozens of families told Business Insider that they've made financial and health sacrifices. Four families explain how they've navigated the skyrocketing costs of long-term care. 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.