I am fairly new to this. Stuck between mom's independence and her ability to care for herself. Any advice?

You already have good advice given below.

I just want to clarify that YOU will not be taking away Mom’s “ independence” .
Her age related decline will be doing that .
If your Mom ever claims , as my father in law did constantly , that his “ independence was being taken away “…..

You answer with, “ I’m sorry Mom , your age is taking away your independence , not me . I did not make you old , and I can not fix old “.

I can only suggest that you consider now a full work up and have a discussion with an OT person that the neuro-psyc person can refer you to. Mom is losing the ability to do executive functions. I think you realize this is dangerous. She is also losing the ability to do self caring. If she cannot accept care guidance and you are not willing to move a way from her being an independent (which she can no longer manage) then the best option really may be to consider placing your mom in care OR getting in a caregiver say three times a week to manage cleaning up both mom and her living space. For a WHILE you will be able to explain this away with she is there to help YOU, with it having nothing to do with mom.

I think the problem with you and hubby is going deeper here and needs a deeper discussion between the two of you. About the changes you are both seeing. About their dangers. About what you can/cannot do are willing/unwilling to do, about how long it can go on, about next steps when it cannot go on, about your own rights to a good time in your own retirement years, and etc. Just all of it.

I am so sorry. It does come to this. You know, I am sure, and have stood witness to the trajectory. I wish you the best.

So let me get this straight. You're concerned about her judgment, she smells because she doesn't bathe or wash up, and her room is piled up with hoarded clutter.

Yet, she's still allowed to drive a car and have full access to her finances.

Think about that for a second.

Get her to her doctor, but before the appointment speak to him privately and explain what's going on now. He can get her license revoked and help you get set up with services like homecare, social work, and even placement in AL if it comes to that.

The fact that she's "rarely bathing" and her room is "starting to smell and is piled with clutter" can all be signs not only of depression but dementia as well.
Plus a lack of judgement often goes hand in hand with dementia too.
Time to make an appointment with moms doctor to have her evaluated, and put on an anti-depressant.
And I would either notify her doctor ahead of time via the patient portal to let them know exactly what is going on with her, or at the very least hand a note to his nurse prior to going back to exam room for your mom to be seen with your concerns.
Your mom is obviously starting to decline, and it's best now to discuss with your husband what exactly that may mean for the future of your moms care, and perhaps even looking into other living options for her such as moving into an assisted living facility with a memory care unit attached for if and when she may need it if she gets diagnosed with dementia.
And please don't forget that your husband and marriage MUST come before your mom.

My Mom is 95 and was still driving (I live next door to her). I kept a close eye on her driving skills and could see that this year (or sooner) she'd need to be transitioned out of driving (and dreading it because she was paranoid about it and was ready to give me a fight).

Then I scheduled her annual wellness check (free through Medicare). I sent a note to her doc through her portal to request a cognitive exam because of the concerns I was having with her memory and behaviors). I needed a formal diagnosis on the clinic letterhead signed by her doctor in order to start managing a few of her financial assets.

I went into the appointment with her and sat behind her so if she wasn't honest in answering the doc's questions I'd be moving my head yes or no. Then my Mom bragged to her doctor that she was still driving. Her wise doctor (also a senior woman) the ordered a virtual driving assessment through our OT dept. Long story short I convinced my Mom to go to "prove" she was still a good driver to everyone. But she failed with flying colors. The OT tech had to break the news to my Mom telling her she was a "high risk" driver, then her doc had to report the results to the and the Dept of Public Safety, who sent out a letter cancelling her license.

That's the driving piece.

I'm hoping you are her PoA. If not, please find a way to get her to assign you BEFORE she gets a diagnosis of impairment. If she's reluctant, you can make an appointment with a certified elder law attorney (for your Mom) but tell her it's for you to assign a PoA. Then when you're at the appointment with her, make sure you ask the attorney what happens when someone becomes legally and medically incapacitated and has no PoA (spoiler alert: they most likely will become the ward of a 3rd party court-appointed legal guardian... a total stranger). Then see if she's still unwilling to assign you as PoA.

You will now have to be preemptive and creative so that you don't start having daily battles with your Mom as she gradually is robbed of her ability to use reason, logic, and judgment, and have empathy for others, loses her short-term memory, etc. You are now the only person who can change and adjust.

No one is "somewhat" independent. This just means the person is dependent. We used to tell my Aunt with dementia that company was coming, and then she's willingly take a shower. And you will also need to discuss meds for depression with your Mom's primary doc. My Mom benefited a lot from the minimum dose of Lexapro.

Taking away someone's independence doesn't have to be something that happens in a day. It can be (and should be) gradual. The caregiving arrangement must accommodate the caregiver, not the receiver. My agreement with my Mom is that she transitions into facility care either when she is no longer safe in her home or I am overwhelmed by her care. Even if she never remembers this "contract" at least I have it clear in my own mind.

I wish you all the best as you work to help your Mom.

While I realize this is a very difficult situation for you and that you do not know how to handle it, do realize that by doing nothing and allowing her to live as she is is a major disservice to her. I am grateful that you have come here to ask us.

You need to take action now.

[I wrote this last and moved to the top of this list.]
SEE A THERAPIST -
* You are grieving the loss of the mom you knew. She is changing / has changed; isn't the same person.
* Understand how difficult this is for you so be gentle with yourself - although do get the professional support you need.
* Allow your husband to support you through this process (ask him to read this). You need him to help you through these transitions. Allow him in.

If I were you:

1) I would hire a social worker and/or an elder care advocate - someone / a professional that specializes in elder care and is skilled in managing care for individuals in varying levels of dementia / losing their cognitive abilities.
There are independent medical social workers.

2) As her MD for referrals.

3) Call your local county City Hall / Senior Services Dept

4) Call Adult Protective Services - ask for a referral.

5) a) Google, read and call TEEPA SNOW. She is one of the country's leading experts on dementia and how to interact / communicate with people inflicted with dementia. Watch her webinars, buy her books.
b) Google 'how to talk to a person with mild dementia about cleaning (about bathing ...) and see what comes up. Look at You Tubes, too.

Then, you can approach her by:

1) Offering to help her 'clean up' in an assertive way. Do not 'ask her' - go to her apt and start to do something ('fun" ... let's have some fun ! ... perhaps start to put things away, get her laundry together) and in a very cheerful voice (tone of voice is REALLY important as are facial expressions), show enthusiasm to help her 'do the laundry'.
- If she is receptive / understands
* tell her that things on the floor are a possible fall risk ...
* Bathing will prevent painful (?) bed sores ... dry skin ... (whatever words work - although perhaps none will).
* I want you to be safe as I love you (positive reinforcement)

Do realize that some people w dementia fear water due to being frightened ... they may think they are going to drown ...

Do: learn how the dementia inflicted brain works 'thinks' so you can better understand/ relate / communicate.

- Expect that (as) this is new behavior on your part, and you are in her space, that she may be surprised, resist, and / or be-express confusion by your sudden desire to help / and taking this lead action.

- Consider (now) to hire a caregiver. Write down your interviewing questions. Hire through agency or independent caregiver.

Be clear on:

1) caregiver's experience and how they will communicate with her so it feels compassionate, caring, and is clear. You want someone who can take the lead in a patient, kind way.
2) Introduce this person as a 'friend' of yours.
3) Ease her into assisting your mom.

Approaching your mom_______________
Be cognizant on how you approach all these areas you mention:
- with sensitivity, patience, and pro-active behaviors.
- In other words, do not say "you aren't xxx" - "you need to ..." as this will only cause her to feel defensive and resist you/r support.

* Create a 'we are' doing ... 'we are a team' ... "I am on Team xxx (her name) so she doesn't feel alone and/or criticized.
- Remember ... she NO LONGER CAN do these things on her own. It isn't her fault. She is or will be confused, frustrated and if aware, embarrassed that she cannot function as she used to.

Expect she may resist you and look at you as 'the bad guy.' Realize this is the dementia talking, not her - as she used to be.

Take breaks as you need to. If she / you are frustrated, leave or change the subject and then come back to it ... or talk to her as you usually do and keep picking things up from the floor, take sh

Also to add to what others have said, go on line , learn everything you can about dementia, and types of dementia. Then see if there are any signs of dementia that you may have missed.

I would start with Teepa Snow. On YouTube.

On top of medical care, take her to see an elder care attorney who can show her how to keep her finances safe and give you a POA to take that all off her shoulders. Find resources for her to use for transport, house cleaning, aide for bathing, etc. Things will only get worse so you need to be prepared as does she. Take her to visit Assisted living facilities and get on the list, if she can pay for it. Take her to visit often so she will feel familiar before she moves in. The more she needs help, you will find the more her brain does not understand. You have to do what is best for ALL OF YOU….not just her. You have to do things to keep her safe and to maintain your own health and sanity. If you fall ill, you are of no help to her.

When I noticed my daddy forgetting things and giving his money away - I started going to the doctor with him, I had him add me to his checking, savings and credit card accounts. I then started paying his bills online - stopping the mailing of the bills. I then had him taken off the car insurance - he knew that he could not drive without insurance - no matter how bad his ALZ got he knew that. Oh I was the worst daughter in the world for doing that but I told him I would have it change tomorrow and he always forgot until he wanted to drive again and I just told him I would change it tomorrow - Tomorrow never came - sorry.
I also started - just one thing at a time - cleaning up, adding his wash to mine, dusting here and there.

Your mom has Dementia. If she's open minded, please take her to a Neurologist anget a diagnosis. I saw this happen with my parents. Please don't be in denial. Your mom is declining cognitively. She needs a caretaker. I am sorry you are losing your mom. We all go through this sad journey. You may need to place your mom in a personal care home. Look into your local resources such as the department of aging. These decisions are not easy.