Plenty has been written, and numbers shared, about the care crisis in our country—and with good reason. Thanks to advances in modern medicine, people are living longer than ever before. At the same time, the costs of long-term care and access to that care are becoming more restrictive than ever. One factor that doesn't get as much attention in that conversation is the fact that retirement savings aren't coming close to covering those "golden years" and that picture becomes even worse when you factor in the increasingly expensive costs of long-term care. AARP sums it up best when it says: "Only a modest percentage of Americans have the wealth needed to afford whatever long-term care needs emerge in their later years."