The Fallback Plan by Leigh Stein
My rating: 2 of 5 stars
Esther is a recent college graduate with no real plan except to get some sort of disease that entitles her not to work but to receive benefits. Obviously that's not the easiest thing to achieve, so she's currently drifting. Then one day her mother arranges for her to take a babysitting job: May is four, her mother Amy needs someone to watch May while she goes back to her art, and there was another daughter who died a few months earlier. As the days pass, Esther becomes very attached to May and builds a relationship with Amy while also falling for Nate, Amy's husband.
This isn't terribly plot-driven, and Esther is one of those aimless depressives, but (probably due to the author's age) her voice will be familiar to any recent graduates also trying to figure out "what's next".
ARC provided by publisher.