Enma Espinoza had to make some tough financial decisions during the 15 years she was caring for her husband, Frank, who had dementia. “We had to withdraw from our bank savings, IRA and other accounts to be able to provide for our own needs,” says Espinoza, 73, a native of Ecuador who has lived in Los Angeles since the early 1970s. On top of that, she quit her data-entry job to devote herself to caregiving.