You Don’t Get to Decide When Care Happens — The Truth Most Families Learn Too Late with Colleen Cruz

Most families don’t plan for long-term care — not because they don’t care, but because they don’t think it will happen to them. Until it does.In this honest and deeply human conversation, Colleen Cruz shares what nearly two decades inside the care industry has taught her: the real cost of care isn’t just financial. It’s emotional. It’s physical. And it quietly reshapes entire families across generations.From crisis-driven decisions to the painful reality of “it’s too late to plan,” Colleen walks through what actually happens when families are forced to figure it out in real time. She also sheds light on the misunderstood world of long-term care planning — what exists today, what doesn’t, and why so many people get it wrong.This episode is not about fear. It’s about clarity. Because the truth is simple: care is coming for most of us. And the earlier we’re willing to face it, the more choices we keep — for ourselves and for the people we love.