My boyfriend and I are closing on a house next week, we’ve been renting for the past year. He just found out that his mom has squandered away over 100k in the past 4-5 years from her reverse mortgage and is now worried about money to support herself. He said if she needed to move in with us she would, didn’t ask, just said if she needed to she would. She is 84 and stubbornly unsafe and a huge fall risk with everything she does. I do not want or feel responsible for taking care of her as she gets further along and more disabled. I have met her twice and have no connection to her and I’m not even married to her son yet. I have a back injury that won’t even make it possible to help her with the slightest of transfer tasks. My boyfriend works 10-11 hour shifts and says he’ll take care of her and I’ve told him he has no idea what 24/7 care for an adult who out weighs him or I is like. I took care of my father who had a severe stroke almost ten years ago and it was mentally the hardest thing I have ever done and my thyroid basically died from all the stress involved but I loved him to death and I’d kill myself to do it again if he were still alive. I also don’t want her to pass away in my house as he thinks is only a matter of time. I don’t want to find her dead one day or have my son find her. I don’t want her dying in this house we are starting our new life in after my divorce from a 20 year marriage. I don’t love or even respect my boyfriends mother, she is the reason why my boyfriend is so lazy and disrespectful at times and I shouldn’t have to pay 35k of my own money for a down payment on a house we share ownership of (he isn’t putting anything down, but is going to make the mortgage payments once we are in) to be forced to care for his mother and support her living with us for what could be 10 more years. He has no idea what could happen and how much care she will need. Her living with us would be like having a permanent house guest that is a stranger to me. We don’t have room for her and she will have to live downstairs and come upstairs for everything she needs. I swear if my boyfriend says we have to give her our master bedroom upstairs because she “deserves the best room in the house” I think I may explode. He lets her have the best room anywhere they go on vacation and would make me sleep on the floor to give her the king bed somewhere instead of letting her sleep in the twin bed so everyone has a bed so I wouldn’t put that past him. He can’t afford to pay to have someone take care of her 24/7, and I know he will eventually use that as an excuse for why I have to take care of her since I dont work full time (which the part time job I have may not last long due to my back injuries). I paid extra to have the third bedroom for my 20yo daughter, who may return home one day and I’ll need to help her (my responsibility) to get back on her feet. His mom could sell her house and live on the 100k proffit for several years without coming straight here, but he’s telling her things like “we’d love to have you here, we’ll have a blast”, not “well if we need to have you live here because of financial issues, you’re more than welcome”….I have told him that her living downstairs and sharing a bathroom with my son and not having anything she owns here and no family or friends and having lived her whole life in one town is ridiculous, she won’t be happy. She won’t see her son more than an hour a day and I am not going to become her sole caregiver and make myself Ill and further injure myself. My daughter won’t even be able to visit if she lives here because there would be nowhere for her to stay. We aren't even married and I think every possible alternative should be exhausted before even mentioning that she move in, but he’s acting like it’s happening and he’s getting her all hyped up thinking she’s coming here to live with us.
Also instead of paying for 24/7 caregiving she may qualify for programs out there that will actually pay a family member to provide care for their own family members.
hope this helps
All the Best,
Patathome01
If mom can sell her home and have money to live on, why not use the money for her care should he decide to allow his relative in the house - same as you.
Just my opinion, but who can live with you seems a little one sided. Perhaps you should reconsider this relationship. It's a 50/50 thing. Maybe buying a house and continuing the relationship is not in your best interest or his at this point.
I am going to do this now, because these continuing comments are driving me around the twist!
“In the last few days, OP has posted that she and BF have talked through MIL’s care, agreed that she is not moving in, BF has apologised, and is now taking a different approach to MIL’s financial issues. OP and BF have been to an estate lawyer, talked through the financial risks and issues for each of them, and their legal and contribution arrangements have also changed. It seems as though the first site posters really helped, and changed things for OP. OP was clearly furious when she first posted, and was also reliving problems from her first marriage.
“OP then said “if you’re just complaining about something for no reason other than your own amusement as you said, just quit, I won’t be offended”. Seems fair enough!”
If you respond after the home closing could you do it with a new thread, please. It is impossible, with 180 responses on this thread to comb through 6 pages of stuff looking for your latest posts.
I myself would be really interested not in the discussions in the household about who will move in and who will not, but about how you choose to buy this house with your boyfriend, what experts you use, and how the deed and LEGAL agreements are written. That's all that is important. Whomever lives in the home the future will tell. It may be all of you, it may be none. Truly my only interest here is that you PROTECT YOURSELF LEGALLY.
Best of luck. Let us know if you give up on the home, or buy it protecting you interests legally.
You have one week; see a lawyer now.
I still have concerns (is it a strictly real estate attorney who has now been consulted?). And this in particular: "We both agreed that If his mother needs to move in when she becomes disabled enough to need care it will only be temporary until she finds a faculty to help her and she will pay for her care out of her own pocket from the sale of her house."
"Temporary" has an entirely different meaning in the world of elders!!!
I hope the OP comes back to update us. I realize that she probably won't, though.
It is up to him to decide how to react to that. You have one week to settle it. He either finds his mum a nearby home or you don't move in together but give him one week to decide since all your money has been put into the home.
If he says he won't move into the house with you, you can rest assured your relationship would not have survived the stress of his mother living with you.
You can also learn to work it out.
I took care of my mom for 15 years and she always came first in my life. She required very maximum care.
Fortunately I have a very understanding employer and I was able to work one day a week for years. That day I worked my husband watched my mom while I worked. She died late 2019 at age 90 years, 3 months. Mum had a litany of chronic diseases not restricted to end-stage Alzheimer's, others included insulin-dependent diabetes, chronic kidney disease, cancer of the liver, and heart issues. She was a challenge but mom was comfortable to the end and two years of hospice. I am very thankful for my husband helping me keep it together and he did help. He thought of my mum as his mom. You know, family. I guess that is what marriage is about. I will always be grateful for my husband and that kind of love will keep us together.
good on you for taking care of dad. It is the most incredibly taxing job a person can EVER have.
my suggestion: (and 2 cents)
Stop the press until he gets a second, third or 4th job to pay for her monthly expense in ASSISTED living, or she can have your room and you move on… don’t walk …RUN!