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I do want to comment on decisions people make, wise or otherwise in their lives. It sounds like your dad make healthy choices. So did my husband. Given his very strong family history of heart disease, where no one lived beyond 65 and several died in their 40s, he was determined to eat right, exercise, not smoke, not drink excessively, be active socially, and intellectually. And he beat the family odds! He is now 85. And when he came down with dementia 8 years ago he agonized, "It's not fair! Why couldn't I die peacefully in my bed, like my brother did? Why do I have to go through this at the end of my life?" Alas, living right is worth doing but it is no guarentee that you won't need caregiving in your old age.
It is really hard to know which is the cause and which is the effect in your mother's less healthy decisions. Did she begin to decline in her health (perhaps in ways only she was aware of) and that lead to poor activity choices? Or did her poor choices lead to declining health? I have read the theory that people pessimistic about their health may simply be well-tuned into what is going on internally. I wouldn't be so sure that mother brought her poor health on herself and is therefore less worthy of devoted care.
I've learned several things from all of this that will help my own sons make the right decision for me when the time comes. First of all, I'm making better choices in my life so that I will hopefully enter my twilight years in the best shape I can, both physically and mentally. I see this in my own parents, who divorced 40 years ago. My Dad made the conscious choice to eat sensibly, exercise every day, limit his TV viewing, and play card games and do crossword puzzles to stay healthy. My Mom sort of went the other direction. She stopped all physical activity before she turned 80 (she'll be 91 this year). Shortly after, she stopped leaving the house to socialize, started sleeping more, watched way too much TV, and stopped taking care of herself altogether. She's gotten help for depression, but clearly the decision she made to stop exercising and socializing caused her to decline rapidly. It's a lesson for all of us... that we have a responsibility to take care of ourselves as best we can so we won't be a burden to our children.
The children of elderly parents are not "obligated" to care for them. I don't mean that we should push them into nursing homes, but just because you are a son or daughter doesn't necessarily make you the best choice for caregiver. In fact, I'm willing to bet that most adult children are not really cut out to be caregivers, and putting them in that position could result in resentment, anger, and possibly physical harm to the parent. I opted out of caring for my Mom when I saw the choices she was making that I knew would negatively affect her life. Carol (my older sister who took over Mom's care 9 years ago) seems to have a personal agenda for staying on. It has more to do with her own needs, not my Mom's. It has split our family irreparably.
Hurt, if you get right down to it, is this behavior of your sister's any different then it's always been when you were growing up? Probably not is my guess. But now you add money to the equation and it's magnified a 100 times. It's the whole 'root of all evil is the LOVE of money' thing that the Bible talks about, your sister is a good example of that isn't she? Maybe the sadness over your sister's behavior is more of you having to give up the dream of having a 'normal'& 'loving' relationship with her. That's never gonna happen unless she has a change of heart and nature. In that regard your husband is right, you have to 'let go and let God' like they used to say. Leave your sister to Him. I'm afraid you're gonna have to let her wallow in whatever she gets herself into at this point, and distance yourself from it. Your first priority is your husband and kids if you have them anyway. Your hubby is no doubt tired of hearing about it, cause most men hate drama in the first place. Let it go. Sorry.