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If your have questions or want opinions about narcissistic mothers, start a new thread with your specific concerns. Many people on this site have experience with this topic. I think you will reach more of them by starting fresh.
As far as your relationship goes, I came across this post because I'm in a similar situation. My mother has always called only when she wants something, withholds love and just says, "hmph," if you say you love her and there is something she wants that wasn't done/given to her, etc. She hangs up on me all the time, screams at me in front of my own family, including young children, etc. There is a webpage about narcissistic mothers that you should google...the newsletters have made me try to become more emotionally detached from her, but guilt (that has been driven home hard since birth) and sheer proximity to other family members have kept me involved, though my contact has been significantly reduced.
It makes it really hard to give constructive advice when the premise of the the relationship and financial situation with your mother is described in a way that is difficult to understand.
There are two possible scenarios here.
1. Your description is a wild distortion of what has actually happened.
2. Your description is true and accurate, and you and your sister were idiots to give her money.
Either way. You describe a mother who hasn't spoken to you in nearly five years and you're wondering now what to do about it? Why now? And how does a woman who refuses contact convey to you that she expects you to support her?
I think perhaps you should see a therapist. You seem very sad and confused.
Some people say optimists see the world through rose-colored glasses; depressed people see it through um, *brown*-colored glasses. Negative interpretations of everything tend to rule. Daisy 3 got great advice here too, I think! Most people hate being around depressed people because of all the negativism and the way you can get sucked right in. But realize its the depression talking if you can. Think about how they handle Eeyore in Winnie the Pooh land :-) - he gets included and negative comments are pretty well let slide.
My mother has depression as well. I use to take it so personally, always trying to please, say the right things, etc. Years ago, during a conversation with a therapist, I described the hanging up, the constant guilt trips, etc. He said no one can make you feel guilty - said I was "trained" to feel guilty. Told me not to call her back if she was the one to hang up on me. He said he understood how I was hurting over this (as it has been a lifetime of if), but said to remember anyone who acts like that is hurting too - and she is a very troubled person.
I took his advice and did not call her back and still don't call her back when she hangs up on me. It was difficult to do, but it truly works, in my case anyway. By calling her right back everytime she hung up on me, I was just perpetuating this behavior. She is on medication now for depression and other mental health issues; but the medication truly helped.
Your mother could also be in the stages of developing dementia. You mentioned she stays in bed most of the time due to physical problems. This in itself is very depressing. God bless you for raising triplets and working full-time. Your plate is full. Perhaps her doctor could prescribe depression medication. Also, would she be open to an assisted living situation? or having someone additional come in to help her - Elder Services can help in so many ways with suggestions for all situations.
It's difficult going it alone; but you will find a lot of support on this site by extremely caring people with wonderful suggesions. Blessings and hugs to you.