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Eva Guzman’s expenses have swelled, but she feels comfortable financially thanks to the savings she and her late husband stockpiled for a rainy day. Nevertheless, the 80-year-old retired library clerk in San Antonio limits trips to the grocery store, adjusts the thermostat to save on utilities and tries to help her grandchildren and great-grandchildren get what they need.

It was difficult to raise her own four children, Guzman said, but she and her husband were able to manage. She doesn’t know how young families today stay financially afloat with such...