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I am also stressed about "dropping dead" thing, thinking what would happen to my poor mom and dead. They are practically babies! The official procedures would too lengthy and inefficient after my death, they would die too, because of the lack of care... I simply have nobody to cover for me according to the low. The low in my country is not so developed to accommodate such detailed cases. Unfortunately... I am trying to take time for myself but I can not take them out of my mind. I have a few really good and old friends. They are all I have got. If I get cancer or something I am planning to transfer my money into their accounts so that they could pay for my parents' expenses for a time, after I am gone. I don't know what else to do.
The fact that both parents needing so much care hit me really hard.
Sending best wishes to all caregivers here.
It doesn't sound like you're in a position to step away from either of your parents even for a brief period. But you need to take care of yourself. I cared for both of my parents too (their care overlapped a bit until it was just my dad) and I would have laughed in the face of anyone who suggested I take care of myself but there came a point when I just broke down. Fell completely apart. I needed intervention and I needed to not be needed but that wasn't possible.
When we give and give and give and don't replace all of that with something that fills us up emotionally or spiritually we will burn out and get sick. Spend an hour a day with a book. Take a nap. Take a walk. Have lunch with a friend. Every weekend my local pet store offered kittens for sale so I would stock up on dog food and toys and play with those sweet little kittens. I loved it.
Give yourself some attention before the time comes when you need a caregiver.
To be frank, people your (our) age DO sometimes drop dead suddenly. Surely your parents wouldn't want that for you.
Hoping for the best for you and your parents.