... I DO NOT want to live with her. A house couldn’t be big enough. She is a nice enough person but I don’t want to give up our privacy and I just feel like it would be a three person marriage. I’m sure my being very much an introvert plays in as well.
She is in good health but in beginning stages of dementia. She is very capable of living alone at this point but has the money for her care when she does need more.
We manage her finances now because his dad did all of that when he was alive. When discussed, it evokes very strong emotions inside that let me know I could never go there. I feel very panicky…is that even a word??? I instantly want to cry. I even think about just telling my husband that I want him to go live with her and I will just live by myself. That really isn’t what I want though. He feels responsible for her and cares for her, and I do understand that too.
I know I am going to have to bite the bullet and just say that there is no way that I am going to live with her instead of just staying quiet. My husband knows how I feel but I just need to tell him straight out. He keeps throwing big hints. I know he will do what I wish but I’m afraid he will resent me down the line.
Without sharing my background I'll just say we've been through all variations with three parents and now dealing with a stepfather who we help more than his own kids. We had one go through full blown dementia.
As you describe it, it is a black and white situation (its not) but you need to work together to find the middle to compromise. She has the money to meet her needs and you manage the finances so you can be sure the money is spent properly for her care. Been there, done that so it's a huge relief that she isn't spending her own money, possibly being ripped off. It sounds like you are close by to keep oversight.
Healthy with dementia means she could live a long time and will ongoing need more and more assistance. Don't fight her at this point on moving to an assisted community if you think she is safe. I would start with committing so many evenings or days a week with her; cook, clean out the fridge, catch up her laundry, lightly clean so she can see you all are concerned about her welfare while at same time visiting with her. Maybe do an activity she used to do with her husband; play cards, watch movies, garden. Set a day each week or every other week where you go out to dinner somewhere she enjoyed. Giving her things to look forward to, having a committed schedule she can look at on her calendar helps her feel better and lets your husband feel like he is helping her. It also shows you are concerned with her care and there to help. My stepfather loves his "Thursday Dinner Dates" with us, gives him something to look forward to.
While you are doing this be making plans for next step, next need. Maybe hire a cleaners to come every 3-4 weeks, one of you stay there while they are there for security reasons and visit with her. Later you might want to look at someone coming in a couple days a week or see if there is a group setting she might want to go to for activities and socialization. The one thing you want to do is remain her family, her son and DIL. The minute you become caretaker the whole relationship changes. This isn't an end of life caretaker - this is a day to day caretaker. It is draining emotionally and physically. Been there. The weight is huge and takes it's toll. You are already so emotionally concerned, it will only get worse. Moving my MIL to assisted setting finally allowed relationships to be loving family, not a caretaker struggling with meds, showers, safety at night. Was huge.
Your husband needs to let go of any guilt he has been given by his parents. Making sure she is safe, the house is maintained is what he needs to do, not move in, and it allows him to continue to have a mother~son relationship. To enjoy his visits and time together. You all living together in this situation as you described will change all that and impact all relationships. You actually can have very nice, happy, wonderful memories later from all your visits with her. You can meet her needs while maintaining your own emotional health. When you discuss with him be sure to offer up solutions and ideas to make her life better, while preserving your relationship with him, and her.