My grandmother recently transferred to a small, independent facility. For $10k a month she lives in a small house with a live-in caretaker and only two other pa

My grandmother recently transferred to a small, independent facility. For $10k a month she lives in a small house with a live-in caretaker and only two other patients. It's much more comfortable for her than the retirement community, but nobody can figure out why it's still so expensive. The costs involved are mind-boggling. You'd think that $100k+ a year should basically buy you personal round-the-clock care in your own home. But either there are not enough people interested in the career or too many rules to make such a deal. (Heck, why can't she just pay her own children to take care of her?) Baby boomers are just now starting to enter retirement homes and think about end-of-life care. It's bad enough now, but things are going to get so much worse.