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* You stepped up to help.
* It worked well for a time.
* It's no longer working so well (for whatever reason: got too much / gone on too long / too hard financially / health needs are increasing).
* So you need a new plan.
My tip is don't spend time expecting or waiting for a sibling to rescue you.
I get it. It doesn't seem in any way fair. It's not. But let it go. When you think about it.. a sibling is not responsible to make Your choices work out for You. (I've been on both sides of this btw).
Start on the new plan today.
1. What care does Mom need?
2. Is this possible to arrange?
3. Can Mom afford it?
4. If not, what other options exist?
Finally, don't set yourself up for torture with this mind set: "I would never put her in a home".
Many many families have had to do this - as their very last choice, after every last option was tried. Doesn't mean they loved them any less!
Better to re-write to something like "I will keep her in my home as long as possible".
I had both of my parents living in Assisted Living because they required 24/7 care which was out the scope of my capabilities, as one human being. They wound up living a longer and better life as a result, too. I'm glad I didn't pay attention to outdated 'stigmas' associated with modern day Assisted Living communities, too, because the reality is, they're beautiful and the elders get wonderful socialization and activities there they'd never get in a home environment. Not to mention 24/7 caregivers and medical pro's coming into the community on a daily basis. The staff caught pneumonia 3x with my mother SO quickly, it prevented hospitalization 2x and saved her life the other time. Unless your mother is beyond AL care and needs a nursing home, you don't say, which is a horse of another color. Although when my mom's $$$ ran out for Memory Care AL, I had the Medicaid app all ready to go for long term care in a SNF. But she wound up passing away before that became necessary.
Of course there are other people who feel aggravated and resentful at taking on the burden of in home caregiving for a parent, with no support or help from siblings. Some, like me, don't even have siblings to help out. My mother took her mother in to live with us when I was a kid and harbored SUCH a level of resentment towards her that my childhood was ruined as a result. Not to mention my mother's life, due to the dislike she felt towards my grandmother. All for misguided 'obligations' too, b/c grandma, mom and I would all have been better off had she gone into managed care where we could have been visitors instead of indentured servants.
Ask your mother if she wants you to miss out on your entire life and 'no longer be living it' because you feel obliged to have her living in your home. She may surprise you with her answer, which may set you free from this self imposed sentence you feel obliged to carry out. Maybe not, I don't know, but it's worth a shot. Nobody should be exhausted feeling the weight of worry, care, 24/7 responsibility and having to work on top of it all. We're mere mortals all of us, and intended to live life to the fullest, not be SO immersed in caregiving that we have no life as a result.
Now may be a good time to rethink your decisions. It's never too late to do that, you know. You and your husband deserve a full life too.
Now that I’ve expressed the importance of you saving your money, as mentioned by JoAnn29, I want to also encourage you to inquire about getting your mother qualified for Medicaid in-home care or healthcare, etc. Check your state’s Government website for info on applying for Medicaid.
In your area, I found a few senior centers where, if able, your Mom could go during the day to be around people from her own generation. Enjoy a movie, play cards, have lunch, etc.
When my Dad retired from work, he and my Mom did volunteer work at the local regional hospital up into their early 90's. I am your Mom's age, and besides just recently retiring from work, had put in 20 years of volunteer work at the same hospital until covid.
As for your sister not helping out. Not everyone is meant to be a caregiver. Just because someone is retired doesn't mean they should be the caregivers. Just like so many families think an unmarried daughter should quit work and do the caregiving. I wasn't on-hands caregiving material, either but I was good at logistical care.
Please give us more information about your Mom, why you believe she needs to have a caregiver while you and your husband are at work.
I have to ask what is the reason why you do not want to place her in a good, reputable facility? My MIL is in LTC, on Medicaid, in a private room in an excellent facility. She gets fantastic care and she has far more social exposure and options for activities than she'd ever having living with us. And, we get to have our lives. I think she'd never want us to burn out for her sake. Please consider visiting facilities to see that there are some very excellent ones.
Maybe you can place Mom in an Assisted Living for respite care for a couple of weeks. Can't cost much more than paying an aide daily.