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Play money is a factor but I would also like to build more weath options for us. I would love to have some real estate options for the future in the form of rental properties. Rentals do very well in our area.

I did marry my wife knowing this i just figured we had more time. Say we were 50 and we had 20 years to get our lives together this would be vastly different. What we are doing is not 100% smart froma finance point of view.

For those that asked my MIL is 70, yes she had a child late in life. She was a cleaning lady so not exactly a position that left much for savings. My wife's father passed around six years ago, her MIL was showing signs prior I have been together with my wife for about 10 years, we have been married for since we graduated from university. She suffers from early onset dementia, exact type is unknown. In the stage she is in as her doctors have said knowing the details is not worth the effort. She has to be put under for MRI's and that is just not worth.

I pay for the aid and support solely out of my income. My wife's income from her business is not consistent and I rather that money goes back into her business to growth and potential upscale it in the future.

As mentioned I agreed to this which is part of the reason why I hate the way I do. I made a promise and commitment to my wife knowing her plans and now I simply sound like a man child crying because things are not going the way I wanted. I wanted to.enjoy this time more, enjoy the finer things so to speak. I cannot without being financially irresponsible.

I guess overall I feel like a dad even though I do not have children. I did not think it would feel like this. On the weekends when I am home I do help with my MIL since adult day service is closed. To give my wife a break so she can sleep in or just be for a time. So I take her out, help her with her garden things of that nature. I regret none of this.

Also yes the doctors share the same cultural values as my wife. The elderly are held in high regard it is the role of the off spring to care for the parents end of story.

I see where you are coming from regarding the college fund. Yeah like you mentioned I know I do not need those things, ans much of it is probably also me trying to keep up with my colleagues. I have fought the urge because I hate debt needless credit card debt with a passion.

Yeah you get where I am coming from. I do wish my wife would look into LTC cause we cannot sustain this forever. No matter how well my income is it will not be enough to cover all the costs in the future. If her business takes off then maybe we can but that putting a lot of responsibility on her business in the future. The costs of care do sky rocket and care needs go up.

I am frustrated that her care team is solely looking at from what they would do. They can afford it, if you see what my insurance pays them it is crazy. Yes my job / plan does allow my MIL to be on my insurance.

I know I am being childish I see people with brand new things, talking about trips they get to take. All sound wonderful I just know my wife would not feel comfortable about leaving her mom alone with aids, and I doubt putting a women with dementia in a plane is the smartest idea especially with no support from aids.

Yeah this widely me complaining how my life is not what I thought it would be. 30 is coming closer and I expected so much more of myself by now. Thanks for the wake up call.
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Basic, has your wife had any genetic testing to evaluate whether she carries risk for Early Onset Dementia?
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Basic, if you posted this question on Bogleheads (which I think you should do), you might be told this is a marital, not financial question.

Your wife is in the season of her life where she should be building a career. I understand not wanting to be in the classroom but with a bit more training, she could become a speech therapist, a psychologist or social worker. I'm going to assume she's bilingual; those fields are in dire need of bilingual clinicians.

Is this a marriage of equals, or are you the "provider/protector"? That may be the source of the larger issue here.
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Nah my wife has not, and I do not think she should. I know my wife such information would not do her anywell in terms of mental health. If we had better treatment options I would be all for it, but in this point I agree with the doctors. Knowing does not change anything. All you can do is try to mitigate the risk factors. Knowing if you carry the markers just creates unnecessary worry over something you have very little control over. You can do everything right and still get it, you can do everything wrong and not get it.

Teaching really ramped up her depression to the point where she took pills. I never wanted to see my wife in that position again. I know it was more a cry for help because she left me a cryptic message. Even still that is not an experience I want her to go through again. She enjoys her online bakery and she generates some revune.

You are right that I fill that more provider / protector role. I do x so my wife can do y and be happier. Don't get me my job sucks more so because of the people, I enjoy what I do so I do not mind the drama. That said teaching really did alter who she was at the core. She was visibly unhappy and unwell.
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HI Basic - you haven't responded to the suggestion of putting your MIL on Medicaid - are you living in the US?

If so, that would resolve some financial issues for you and she could still get the care at home. Your thoughts?

..and also, please stop beating yourself up for now feeling differently than when you made a 'promise" to your wife regarding future care for her mother. The reality of a situation and living it can be entirely different than just the concept of it.
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...and Basic - one other thing...since you said that the company you work for allows her to be on your insurance, have you looked into long term care insurance for her? Premiums are costly but way less then what you're currently paying in her care - plus, you need to think about the future - it would be wise having that for her.

And you said that she goes to adult day care during the week - is that the reason the expenses are so high for her? Have you researched options because I know elders who attend such groups and most cities provide this service subsidized.
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I meant that genetic testing might give you all a better sense what to plan for.

Has your wife's depression been evaluated?
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Yeach she is under treatment for her depression.

As for the othe thread is aimed towards getting solutions towards LTC and how to navigate the pitfalls of the system.

The focus on we is because when I show her the thread I do not want to get blasted for making her sound one way airing too much history on a forum. I made it to vent cause I really have no where else to vent. Sorry if that is against the rules if so as I said please delete it.

This thread is me mostly venting, since I plan to show my wife the other thread I did not want her to seeing comments about how I felt. Each thread served a different purpose at the core. If that is an issue mods can delete this one.

As for Medicaid as mentioned I have spoken with ECA and they told me personally it is not worth it. Given the fact she is not my mother, my wife is reluctant and even if we got her Medicaid it would not serve much use at this point and time. Also.our level of assistance being provided makes things complicated.
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When people tell you us who they are...
I think we should believe them.
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"This thread is me mostly venting, since I plan to show my wife the other thread I did not want her to seeing comments about how I felt."

Therein lies your problem.

Why is it you don't want to tell your wife how you feel? She is your mate; if there is ANYONE on this Earth you should be able to tell how you feel, it's your spouse!

You do your wife - and yourself - a huge disservice NOT sharing these concerns with your wife! How do you expect her to know how you feel? Is she a mind reader? If you continue along without telling her your concerns - which are legitimate, by the way - she is going to believe that you are OK with everything, and not even try to find other solutions. Because, hey, why should she? She thinks everything is AOK, because you don't want to have an uncomfortable conversation with her. And I get it will be uncomfortable...but sometimes you have to have those conversations, especially with the people you love the most.

If you're not willing to discuss these issues with your wife, I'm really afraid that there's no advice you're going to get here that is going to help you get through this quagmire you find yourself in.
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Mainly because how I feel largely boils down to me being a man child at this point and time. I have also tried to explain the need to plan for the future regarding her mother but that has also fallen on deaf ears. I get it she is not ready to accept her mother will not be getting better.

I get it though, either way venting does help. Getting it off my chest that I no longer feel exactly the way I did was nice. Venting how I feel like crap for my change of heart was also nice.

At the core I know this is cannot he a forever thing.
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You have used this expression "man child" a few times in this and the other thread.

Why do you feel it's "childish" to be concerned about your future financial health? Why do you feel it's "childish" to want to be first in your marriage? To want to be able to use some of your hard-earned money to go on vacation, or buy "fun things"? That you are concerned that this situation is untenable in the long term?

Those aren't the thoughts of a child. They are the concerns of a responsible adult.

Why do you continue to beat yourself up over your very legitimate concerns?

What makes you the "bad guy" in this scenario?

As long as you keep yourself at the bottom of this family dynamics totem pole, that's where you will remain, because there will be no need for anyone to change. Because they're getting what they believe they need.

You can vent all you like, that's fine. But venting will not solve these very real concerns and problems is all I'm trying to say.
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I feel this way because I married my wife knowing her stance, and instead of just being 100% supportive I am having a change of heart because I just do not see an end in sight and it is scary. Best way I can put it.

I feel bad cause at moments I feel bad and wish we had a normal life and could do normal things. That is why I use the term man child cause I legit only feel this way cause this aspect of being an adult has proven to be too much for me to handle for no other reason because I don't want to me coin purse and rather spend our excess income in other ways I find more fun or productive. Ignoring how how my wife feels or what she is going through.
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Basic, again I reiterate that you are not being the unreasonable party here.

Your wife is.

She literally got to quit her real job for mental reasons so she could supposedly “work on” selling baked goods over the Internet while moving in mil…and YOU pay caregivers, adult day care so that Wife minimizes her own hands on.

If your wife feels so strongly about the mom living there, then she should be getting a paycheck that goes toward the 5k a month. It’s the principle of the thing as in she’s paying zero while imposing on him.
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You feel bad because you didn't know caring for MiL was going to get in the way of having kids and building a life together with your wife.

It sounds like she takes care of mom and you take care of everything else.

Which is not a marriage.
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Basic, has your MiL lived with you from the very beginning of your marriage?

If not, how long after did she move in?
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She has been with us for three years. Since around COVID.
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You're 27 now? So since you were 24?

I married for the first time at 21, he was 22.

Looking back, a HUGE mistake for us both; we were still adolescents.
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In one of your comments down the lne you state "I know this can't go on forever".

Um,

Define 'forever'? My Mil has spent the last 71 years sucking the life out of my DH. She is now doing it with so much more in the way of demands and anger.

It's be 47 years of this for us. Sure feels like forever. It's been 'forever' of our marriage.

She doesn't live with us, though at some points. Dh thought that would have been 'great'.

At this point in time, when we should be enjoying retirement, grandkids, all that stuff--my DH is spending 1/3 of his life babysitting his mom. Literally. We can't go anywhere or really plan beyond tomorrow b/c he won't leave her. Also, I do not feel like we have to 'run away' to have some peace and private time.

And I DON'T say 'it can't go on forever' b/c I am feeling like he is going to die before he (and his sibs) do.

You are carrying a huge burden with no end in sight. You SHOULD NOT be paying for MIL's care at all.


Sorry to be blunt, but we started out like you did--just didn't have MIL in our home. She was always a fly in the ointment. Now she's in her 90's and so impossible to work with.

Trust me, you are NOT SCUM. You have a right to a life and it shouldn't come as an afterthought. This situation will weigh you down until you are drowning.

Some marriage counseling wouldn't be a bad idea. Perhaps your DW has no idea you are feeling resentful. I'm VERY angry with my DH and the amount of time and money he spends on his mom to keep the peace. It's ridiculous.

I wish you all the luck in the world. You are being amazing and nobody is telling you that.

((Hugs)) This is HARD, I know.
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Basic, I'm curious what you agreed to when you got married?

Having your mil live with you from the start?

Paying her living and medical expenses?

Or something more vague like "we'll always take care of mom"?.
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It was a vague we will take care of your mom. I did not think to try and define it. Prior to this she was in the picture of health everything was in healthy ranges. Sadly, we due not think of this ever happening they have no know family history.

Guess you can say it was a promise made solely out of ignorance. All with the best intentions without fully thinking what it really meant.

My mindset was by the time her mom needed care we would be will into our 50's at that point I figured I would have established my own engineering firm, various rental properties and investments that in truth giving up time / money would not be so bad.
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Basic, I don't think you should feel bad (or be made to feel bad, selfish or childish) to want to have a life, spend your money as you want to, have children and have your young wife's attention.

You are getting sold a bill of goods here and you need to stand up for what you want out of life.

$5k per month (and it will increase to 25k per month in today's dollars when she needs 24/7 care) is unsustainable and idiotic when she can get aides through Medicaid.

I think the gloves need to come off and a real discussion had. I hope you are cautioned by MidKid's post.
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Basic, I don’t think it’s about you wanting a new ferrari. See, you KNOW something is wrong, but you have mistakenly redirected the wrong on you.

Dude, you need to see this objectively.

You are not only paying for mil to be catered to privately to the tune of 60k a year, but you’re shielding your wife from learning to see herself as an independent adult, same as you yourself are.

And part of that is making a good faith effort in a marriage. Your wife’s business interest sounds like a hobby, not paying work or ever gonna be. Being responsible would be taking on such work on at least part time. Work is inherently depressing at times. Lots of people need meds to deal with work, which is just part of being an adult.
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Basic, I almost always advise not to pay for parent's care, but after thinking about it some more, I believe in your situation your best choice may be to continue on paying to take care of MIL. My reasons? You are young, you earn and are expected to continue to earn much more money that average, and you seemingly can well afford to do what you are doing. Given those factors, it may be best for your marriage and maybe your conscience to sacrifice to give MIL the best care possible.
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Should they also fogo having kids? That's a serious question.

Why should he not take advantage of using Medicaid as payment for his MIL's aides when the time comes that she needs more than the assistance she does now?

We all know that dementia is progressive, often in very unpredictable ways.

What is the upper limit on his financial obligation? 10k per month? 20k?
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Barb, he should do EVERYTHING to not have children with this woman at this time.
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Sorry for the late replies. I first spoke with my mentor at work since he went through something similar his mother had a TBI he took a different path he let her become a ward of the state. After speaking with him and listening to his regret but also his warnings. I have spoken with my wife to go back to marriage counseling.

We did go in the past to try and come up with a solution regarding her depression and work. When unfortunately at the time it really was not working and she took some pills. Since then I have noticed I have been shielding my wife from everything cause that was a hard day for me.

During the therapy sessions I will be bringing up how even if we can afford it now we need to think about the future. I will admit placement is not nesscary, and maybe it may never be. I spoke with someone from the area of aging, and the wavier program Barb mentioned can be used for inhome care when needed, also was informed it is possible to get MTLC to cover home care hours if the doctor and document a medical need through tye fair hearing progress.

My compromise will be I am willing to supplement care for her mother but not be the sole source. If Medcaid only grants 8 hours and adult day service I will cover the rest. I will be firm she needs to be on Medicaid and she needs to use it.

I will not push the work issue cause I personally rather see her as she is now then her going back to the shell of a person she was when she was working.

All she did was get up, get ready, go to work, come home, eat, then go to sleep. She simply could not regulate work and life. Getting her to do fun things was like pulling teeth. Teaching nearly destroyed her.

HRA was helpful regarding getting the voucher information and also information regarding MLTC. I have faith that explaining it this way will open her eyes. It is not about placement it is more so not being the only one Flippin the bill. The entitlements exists why should we not use them.

I'm trying my best to not beat myself up.
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@basictakes99:
Now, this is what I meant by "manning-up". Good for you, coming up with a reasonable plan, seeking professional support to help your wife get on board, making use of all resources available to you.
Welcome to adulthood!
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Basic,

Kudos on going back to marriage counseling.

In your latest reference on her taking pills, are you referencing that she tried to commit suicide? And that your outlook is that encouraging her to work at ANYTHING might trigger such?

Lets say she never met you. Would there have been an pill taking attempt knowing that she was the only resource to advocate for her demented mom? In a scenario where it was all on her to work for her survival, would she have?

Basic, realizing self agency and self responsibility go hand in hand. You should not protect her from realizing in her 20s that yes, work inherently sucks in some ways no matter what you do. So do responsibilities in general.
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Basic,

The very first thing that I want to say to you is that I am so very sorry that you are in this situation. Truly, I am.

Good for you to question your situation. I don’t care what your original intentions were with your wife were regarding your MIL. Life happens and things change. Change is the one constant in our lives.

I feel your pain more than you can imagine. I cared for my mom long before she ever moved in with us. I admit that I was naive in not realizing what I had gotten myself into.

I regret so many decisions that I made in my life. So, some things couldn’t be avoided like a major storm (hurricane Katrina) destroying my mother’s home beyond repair. She was instantly homeless.

The entire city of New Orleans was in shock and struggling to cope. At this point in time, all that I could think of was comforting my mother. So, I invited her to live with us. I wish I had known to only make this a temporary solution.

I actually felt like it would be easier if she moved in with us because I was going to her house so often anyway. Mom adored my children and they loved her. I was still working when she first moved in. She could be left alone at this point.

She couldn’t drive due to seizures and Parkinson’s disease. Initially, it wasn’t so bad. The problem arises as time moves forward and everything become more challenging.

I commend you for recognizing what may lie ahead for you. I didn’t know what I didn’t know. I was a frazzled mess by the end of my 14 year stint of caregiving! I ended up in therapy.

My husband supported my decision for mom to move in with us but at times he certainly felt stressed out about our situation and rightfully so! I regret horribly placing my husband in this position.

It was a huge mistake for me to quit my job. I loved working and when I quit I sunk into depression.

I had anxiety over my mother’s health and how as a family we weren’t coping very well. I missed out on certain activities with my children and husband. It was awful and if I could go back I would not do it again.

I don’t even think my mom would do it the same way. There were times when she cried about us changing our lives to care for her. She hated being a burden on us. In retrospect, I feel as if I encouraged her to be dependent upon us.

I am glad that you are going to counseling with your wife. Please be completely honest and explain that you meant what you said about caring for your MIL but after careful consideration it isn’t something that you are able to follow through with.

I hope your wife will understand and appreciate what you have done for her mom and will see your point of view. A marriage consists of two people. I was in my 40’s when I started caring for my parents. I can’t imagine doing it as young as you and your wife are.

My mom lived to be 95! People are living longer these days.

Best wishes to you and your wife.
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