In the past, my h and I tried talking to my folks about how to approach their old age financially. We suggested they do a reverse mortgage. That would have solved their problems.

But my mother wouldn't even hear of it, wouldn't listen.

I have a friend that sells assisted living insurance. That also would have paid for what is starting to happen to them now. Again, she wouldn't even discuss it, wouldn't hear it it.

So she set herself up for total financial fail.

Yes still, she could sell her apartment. It would give them cash to live off paying rent somewhere.

But that didn't happen. They wanted to stay where they are.

So they just didn't plan for anything. And now they are screwed. On Medicare. Not sick enough yet to be hospitalized.

My mom would now definitely qualify as a psych patient. She is off her rocker. I don't even want to describe what she is carrying on, it is so TRIGGERING.

I feel like I sit in an OR waiting room right now.

I don't want to go there and see her like I am supposed to. I have a cold today, sore throat. Everything aches all over my body and I don't want to make the drive.