For three years, Miura chipped in time, money and care, taking her grandmother to the emergency room so often that she got to know all the hospital security guards by name. "It was very stressful," said Miura, now 28, who helps others in this situation at her advisory Spark Financials. "What stands out for me is the number of people who are not only caregivers, but financial caregivers too," said Surya Kolluri, who heads the TIAA Institute. No wonder caregivers' financial lives are impacted: On average they have fewer assets and higher debt than non-caregivers, the report found. Remember that others could likely contribute money or time or both as well, including siblings, children, friends, cousins and in-laws.

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Persons: Michaela Rehle, Danielle Miura, Neda, Miura, Surya Kolluri, Mary Naylor, Penn, –, Chris Taylor, Lauren Young, Richard Chang Organizations: REUTERS, TIAA Institute, University of Pennsylvania School of Nursing, NewCourtland, Transitions, U.S . Department of Health, Human Services, Alliance, National Alliance for Caregiving, Thomson Locations: Planegg, Munich, GERMANY, Ripon , California