Lol, this post could almost be what my daughter would post about me. Please bear with this long background explanation. For my example, my 5-1/2 year relationship with, who I thought was a good man, just ended with no warning. Believe me, the circumstances regarding this still don't make any sense as to why he chose to end it. Anyway, I have not worked since October of last year, so I have no income until I get a disability retirement from my previous employer, and/or Social Security Disability. It was only with his agreement that I stopped work. He had taken on the responsibility of payment of the bills, the house payment, insurance, etc. Well, with his abandonment, the only bills he is doing now is the phone, and the car insurance. Both of those are in my name, but he's paying them because he still wants to drive the car he has, and wants to remain on the phone plan that we have. Right now, I am facing the reality of losing the house and trying to get the things I will need when I do lose it in a storage area until I can be able to be somewhere on my own. A difficult task since I have many health problems and limits to how much/what I am able to do. Along with that, I am very bad on financial decisions, and the ones I make, sound like what you said about your mom. On the other hand, my daughter is amazingly good at financial matters (lol, except that I was there, I would not believe she was born from me).
With that, my daughter and her fiance have just bought a house that is a pretty good size. She brought up to me that I could live there for a short time until I can get on my feet. Her idea of a "short time", in her words, is "for a year or two". If she agrees to one plan, I could live in the area of the house that has two very large rooms, and is downstairs, so it is out of the way of the rest of the house. The other plan that she has in mind is for me to have one bedroom in the main part of the house. If it goes that way, quite honestly I would rather not stay there unless there was no way I could get anywhere else to live. In either case, my "contribution" to the living arrangement, would be to basically do what I did before my kids were grown. I would be doing the laundry, dishes, housework, and cooking meals, as well as watching my grandaughter when they go to work. When my retirement comes through, I will also be able to help with the utility bills until I get my own place. From what you describe of your mother, I see many similarities to myself. The only one that I don't see as similar is the "drama" part of it. Pretty much, when I get into a relationship with someone, I try to make sure that it is someone who will be compatible in "the long run". The thing that I believe as far as your mom's situation is that she will probably not be any better on her own than she was before. Your idea of "tough love" makes complete sense if she was actually able to get by on her own. For your mom though, it would probably be more like being cast adrift at sea. She is mid 50s, and it would be difficult, if not impossible, to make a behavior change. That you and your husband were able to work through your tough time, is because your personalities are such that you could. It is not necessarily a matter of taking "the easiest path" that she would need to be allowed to live with you, it would be the best way for her to feel secure, and be looked after. You said that her income is not really enough for to live by herself. That's not going to change. Generally, if you have a retirement income, it stays at a set level, unless an allowance is made for higher costs of living. There would be an increase, but proportionately, it still wouldn't be more. Rising prices on everything will still exceed what the increase would be. It isn't "giving up on herself" either. I'm sure that there would be many ways she can contribute to the household dynamics. As far as your privacy goes, if she butts in to much, or you and your husband feel she is interfering with your business, then explain the problem to her, and let her know that there are boundaries. Explain that if you two lived under her roof, you two would respect her boundaries. You said you had no grown children, but you referred to a teenage daughter. Any worries you might have about your private privacy should be equivalent to those you have for your teenager. If she is wanting to have a guest, I would also make it clear that if her guest is just visiting, that is fine, but if she wants to have a guest overnight, then they would have to go to his place, or get a hotel. If she stays out later than your routine bed time, I would also make it clear that when she comes in, she needs to do it quietly, and not disrupt the house. When my kids had grown, my son had moved out, then moved back in for a while. What I said above was the way we handled the situation. My house is bi-level, so basically, my living space was the main part of the house upstairs, and his was a bedroom, a common area, and the half bath downstairs. My daughter also had her bedroom downstairs, and she shared the common area with him. That actually worked out pretty well, and privacy problems weren't an issue.