Seven in 10 (69 per cent) said debt is a problem and 20 per cent have taken on new or additional debt as a result of being a caregiver. More than half (53 per cent) of caregivers said they have household incomes of US$75,000 or more, compared to 62 per cent of non-caregivers. Among those with household income of less than $35,000, 75 per cent said they aren’t confident they’ll have enough money to live comfortably throughout retirement, compared to 55 per cent of non-caregivers. “Caregivers are doing many of the same planning activities as non-caregivers, but they are more likely to face debt, lower assets, mental-health strain and lower confidence about their long-term financial future. That combination can make it much harder to build and preserve retirement security.”