Husband and I are aging gracefully in our 50 yr. old home, but finding chores more difficult as time passes. Our childless son & daughter-in-law have suggested we move into a "in-law suite" on their property (to be built or purchased with their funds). We are weighing the pros and cons.
My cousin invited his parents to live with them. The parents built onto the house, a second floor.
My cousin divorced his wife. The wife got the house. Their daughter in law no longer wanted them there.
Sad, but these things do happen. I don’t think that I would want to move in with family members. You never know what lies ahead.
They spent thousands on the addition. They didn’t get any money back from the addition after moving out of the home. They had nothing in writing about how to handle the situation if a divorce occurred or if the house was to be put up for sale, etc.
My cousins took a chance and they were sorry that they decided to move in with family.
Have you thought of an assisted living facility or an independent living facility? Possibly an apartment for seniors? What kind of care will you need?
It’s a crap shoot. May work out. May not. I wouldn’t do anything without planning ahead. Things happen that we don’t even consider happening. There has to be a plan. If an addition is not built, will parents pay rent? Who pays for the addition and so on? Is a portion of the money refunded if parents move out? So much to consider! Children can’t be expected to foot the bills for their parents care.
Do your son and dil look forwatd to being at your beck and call for burned out light bulbs and taking down the summer clothes? Or would you rather be able to have staff on call?
When you can no longer drive, do you want to be dependent upon son and dil for transport to doctors, religious services and haircuts? Or would you rather rely on a facility with on call or scheduled transport?
When food prep becomes an issue, do you want to have a dining room, bistro and snack bar at your doorstep, or will you rely on your kids' cooking and meals on wheels?
What is your plan when the kids want to travel to Europe for a month? Or when one of you develops dementia and needs more care?
If this building was being put up for you at their expense then to my mind it is an automatic "no". That is way too much to let someone else do for me.
So, you have all these small to mid size contractors charging ridicululous amounts of money for additions or remodeling, offering some pipe dream hope you would be allowed to stay in place. Then there are SW and agencies ruled by the mighty dollar telling you you have rights not giving a crap about what you or your families needs really are. My question is why would you even consider allowing your children to use savings or take a loan out to provide you with a suite? If you were in such great shape, why would they offer? Funds from the sale of a home can be used for a senior aparment or AL.
You know at St Patricks Day Shamrock shakes always sound good but you feel like crap eventually and they cause issues.
If you want to see real resentment build, go ahead & ask your childless son to use his own funds to build you an in law suite on his property and then figure out how to care for you and your husband when you are no longer so 'graceful' and need care 24/7.
My husband & I have 7 children between us and we'd rather swallow a bunch of pills chased with a good bottle of whiskey than burden them with us in our old age. True story. On paper, it sounds so simple and lovely. In reality, it's a living nightmare for these children.
I can tell you this: I am an only 'child' myself at almost 64 years old, in full charge of both of my parents in their old age. I had to move them to my city back in 2011 when dad could no longer drive; I set them up in a lovely Independent Living apartment where they lived for 3 years until dad fell & broke his hip, requiring an emergency move into Assisted Living for both of them. He passed in 2015 and I've been managing my 94 y/o mother's entire life ever since; she now has advanced dementia and lives in Memory Care; has been in and out of hospitals, rehabs, doctor's offices, specialists, eye doctors, dentists, ENT doctors for vertigo, you name it, I've dealt with it. Alone. THIS is what your son and DIL will be facing with you and your DH whether you live on his property or in Assisted Living. It's just that with AL, they'll have their privacy and be able to get away from the 24/7 aspect of caregiving a bit more and not have to do the hands on part of it. Being an only child is difficult enough as it is, never mind having 2 parents living with you.
There are about 2 pros and about 2 million cons to your idea. Just keep reading this forum for the best education you'll ever get on the subject. And start looking into nice Assisted Living residences in the area instead, where the two of you can live with dignity & grace, and where your son & daughter in law can visit you as often as they'd like. That's a win-win situation for everyone
Good luck!
On this forum there are lots of parents that are "me, me, me" when children have their own responsibilities. They can't be your entertainment. Can't be at your beck and call. I have a school friend that lives with son and DIL. Her and husband take care of the children while son and DIL work. It seems to work for them.
Will you have privacy, such as your own bath, bedroom and kitchen?
It can work out to move with adult children as long as ground rules have been established in the get-go. These should be in writing. The expectation that visits still must be on an invite procedure. Neither you or your son should just pop in on the other excluding if emergency arises.
I know of several people who this works out very well for them.
Best wishes
Best wishes
You and your husband need to sit down and make a solid plan for your aging selves that is realistic and includes what will happen IF one or both of you become bedbound, develops dementia, incontinence, can no longer drive or cook a meal and all the various, ungraceful aging worst case scenarios that might arise in the future. Carefully consider the financial and emotional implications of those scenarios.
Only you and your husband can understand your own family dynamics and how that might play out. And only you and your husband know what type of financial situation you are facing.
The emotional toll of caring for or housing a parent can be overwhelming, and there are so many stories on this forum about good intentions that turned into absolute nightmares. And you need to consider any other players - do you have other children or family that might resent this arrangement? I might consult with an attorney to see what advice they might have. I did, when I first started managing my mother’s finances, and it was very helpful.
Okay, now that the ugly part of aging and living with family has been addressed, I really hope everything works out. As I stated in the beginning some people are very successful in making an arrangement like this work. Plan for the worst and expect the best.
Best wishes!
Would they be the landlord? Are you going to contribute to the new build or are you going to build the new house with your own funds? If so, how much? As cold as it might sound because he's your son, you must discuss all of these things.
You don't indicate your age and I am wondering if you are "active lifestyle" seniors or homebodies.
I could see the in-law suite being an advantage to your son when you and your husband are no longer there -- rental income for them, either long-term or airbnb-type income.
A few things you might want to consider, along with all the other things people here mentioned:
You say that you're finding chores more difficult. What sort of chores are you talking about? Are these things that I will assume your son and DIL already do, such as yard maintenance, snow shoveling, etc? In which case your moving in shouldn't add to that. However, if it's more the day-to-day stuff - housecleaning, laundry, grocery shopping, cooking - then your being there will add to the work. I'm also going to assume that, since you mention the age of your home, you're already thinking about relocating/downsizing and you're not looking to put any major money into the home. Will you have the financial means, should the arrangement not work out, to find another place to live, be it assisted living or a smaller home?
Is this going to financially benefit your son/DIL? In other words, are they looking for you to help them with their finances, such as mortgage payments, etc.? This could be a potential sticking point down the road, because if things don't work out, there might be dissention about you and hubby leaving.
Whatever you do, and I believe someone else already mentioned this, but it bears repeating - you cannot look for your son/DIL to be your primary source of entertainment/socialization. My mom got involved in all sorts of activities - book discussion groups, volunteer work, traveling, etc. She had her own group of friends and carved out a very fulfilling life for herself. If she had solely dependent on me for that aspect of her life, I would have greatly resented it. If this is something you and your husband can do, I think it will help things very much should you decide to make the move.
I think it's very wise that you're trying to do as much research as you can before you make the move. What are your alternatives should you decided you don't want to do this?
Good luck, I really hope it all works out for you!
Have you made plans for more personal care in your own home if you eventually need that?
Would an "in-law suite" with your son be in their home? As many responses have suggested, if and when you and/or your husband need more and more help, expectations and resentments could become a problem when you are in someone else's home.
The youngest son convinced his Mum to sell her condo and give him the money as a down payment on a home with a suite. Within 2 years he was getting a divorce, Mum’s name was not on the deed, she got none of the proceeds when the house was sold.
For OP, things to consider, where ever you move to:
transportation options for when you no longer drive. Do not expect a family member to be your driver.
Shopping, when it is too much for you, how will you get your groceries?
Repairs and maintenance? If you cannot do these, who will you hire?
Social Life. This is your responsibility, not ‘the kids’
Daily chores. Are you prepared to hire a housekeeper?
Personal Care. Who will provide this? I have made it abundantly clear that I will not bathe, nor wipe bums, to both my parents.
Finances. Are they in order? Who have you assigned POA? Is your Will up to date.
Rent, utilities and other money matters. If you move in, you should have a rental agreement in place, it will include your monthly rent, share of the utilities and other expenses. It will list those expenses that you will pay out of pocket too.
There is one thing I want to touch on that I have not seen addressed. My house is 55 years old. It is well maintained, structurally sound and although I could do some updating and refinish the oak floors, it is in great shape.
What chores are you finding challenging? How does the age of your house make the chores difficult?
I hired a fellow to help me in the yard 3 years ago after my lawn mower was stolen. He does the heavy work and I get to have fun puttering in the flower and veggie beds.
I hired a woman to help with a big project clearing out years of clutter inside.
Lastly I hired a crew to do a number of trips to the thrift shop and dump. I did not have the ability to move large furniture items.
You should try a weekend or week at a time.
If you own your own home, Rent it out and then if things don't work out, you'll have your home to move back in to.
It definitely must be a total place of your own with a kitchenette and your own door for coming and going.
Shold know about house rules, ect.
Know if you're suppose to stay in the in law suite unless invited to the house, ect.
I would stay in my own home as long as I could and if I could afford it, in time of need hire a Caregiver or Live In.
This situation is only at the starting line - the flag hasn't dropped yet to start the race. While this arrangement *could* work and all benefit from it, there are just too many ways to list what might go wrong (a few "stories" have been posted by others.) This really needs some in depth thinking and considering various medical issues that might cause problems, including a rift with well-meaning son and DIL.
You were probably lucky to be blessed with a good mother who didn't experience 'bad" behavior, before and after dementia! Lucky to find such a good person to help as well. IF we were all so lucky to have a situation like yours, this site probably wouldn't be as active as it is!
"On paper, it sounds so simple and lovely. In reality, it's a living nightmare for these children."
I don't think there is a book that could cover all the issues - even if there was, it isn't completely geared to you/your situation. This site has MANY discussions where pros and cons are discussed. Some insist staying in your own place and hiring help, some insist family should provide all the care needed and some (I would hazard a guess it's most) find this becomes a nightmare.
As Mepowers said: "Plan for the worst and expect the best."
Mepowers also said:
"You and your husband need to sit down and make a solid plan for your aging selves that is realistic and includes what will happen IF one or both of you become bedbound, develops dementia, incontinence, can no longer drive or cook a meal and all the various, ungraceful aging worst case scenarios that might arise in the future. Carefully consider the financial and emotional implications of those scenarios."
and
"The emotional toll of caring for or housing a parent can be overwhelming, and there are so many stories on this forum about good intentions that turned into absolute nightmares."
The first paragraph covers some of the issues that NEED consideration. Just having a "safe" place attached to your son/DIL's home sounds great, but there are so many ways this can go awry. Certainly a contract can be drawn up, to cover various scenarios, but it'll never cover everything. One of the biggest issues could be dementia. My mother lived in her own place when dementia came, and she refused to move anywhere. THIS is very common. How would S&DIL handle this? Major medical issues happen. What if one or both of you need more care than they can provide? What to do if they change their mind and want you out or you and your husband want out? They've paid to build it and are left with the cost.
Jamesj - whole comment is good!
It's good that you're at least considering the facts that caring for your own place has become an issue and change needs to happen. It's nice that they have offered, but you really need to weigh all options and considerations for what the future might present to you. A backup plan would be needed.
* No ages or medical conditions listed for them or you
* Understand future medical issues can seriously impact everyone
* Contingency plans if this plan fails and/or extra care is needed
* Independence for you and them
Downsizing is an option to consider. This could be another smaller home, but will come with chores you are trying to avoid. Senior apartments eliminate those chores, but may not be conducive to socialization. IL facilities, esp those associated with AL and MC can be helpful. They allow you to be independent and eliminate chores, but also have the advantage of built in social activities and assistance you can opt for, like meals, cleaning and laundry. They also have graduated spaces for if/when you need more help, such as AL and MC, without having to find another place. It would require you to carefully check the places, being aware of cost, what is provided, get to meet various people who work and live there when checking it out, etc.
Other potential downsides to living in this add-on space:
* Is it in your area or are you removed from your old community/friends?
* Are there transportation options available?
* What plans are in place should you need extensive care?
* What plans are there should the "arrangement" not work out?
* If it doesn't work out, what are their plans for the space?
* Future plans for the space after you move or pass on?
As the saying goes, familiarity breeds contempt. The best of situations can change at any time. Your independence or theirs could be compromised. Negative repercussions might be the result if you choose to move or they ask you to leave. There are many considerations to making an "arrangement" like this and some can not be anticipated. It is a huge decision, for you AND for them. Tread carefully!
I’m guessing your relationship with your kids is good, since they’ve invited you into their home.
Before you make this leap, discuss every possible scenario you can think of together, and prepare as best you can.
If you can afford to pay rent, do so. Take them to dinner, a play, a ballgame, etc. and/or treat them to a night out (without you) occasionally. Verbalize your appreciation to both of them frequently. Give them their own space, and help however you can - but remember, they have their own way of doing things and it is their home. Ask before jumping in! And always be honest if you need help.
If possible, speak with a family counselor and attorney together before you move in.
They may have offer invaluable advice. Try to maintain a healthy, open, honest dynamic, and get family counseling before things get unhealthy.
Don’t be frivolous with money you do have - you never know what lies ahead!
Remember to reward them for their generosity toward you in your will, if you have assets at the end of your life.
And if there are other family members (your other children, grandchildren, in-lapses, etc.) PREPARE them in advance, and be united with your son & DIL to let them all know to butt out, and not be resentful.
Best wishes to all of you. Remember to enjoy your time together. 💕