I'm 76 and can't afford to stop working full time. Caring for my brother costs $10,000 a month.

Fran Judd has been caring for her daughter with disabilities while providing care for her brother.

Courtesy of Fran Judd Fran Judd, a physical therapist, manages full-time work to support her older brother and daughter.

Judd has faced challenges in finding affordable long-term care for her brother.

Caring for her daughter with Pitt-Hopkins syndrome involves constant caregiving and support efforts.

This as-told-to essay is based on a conversation with Fran Judd, a 76-year-old physical therapist in Sonoma County, California.

Judd works full-time to afford care for her brother and daughter with disabilities.

Her brother lived in an ADU in her backyard for two years.

This interview has been edited for length and clarity.

I feel like I'm working so many full-time jobs .

I'm a physical therapist.

I run my own business that uses horses to support people with disabilities through an equine-assisted program, which I've been running for over 25 years.

There's that, plus caring for my brother, who is 85, plus my daughter, 31.

I don't take real vacations, but I did go to Vietnam for one of my three sons' weddings.

Everything I do revolves around the family.