You’re welcome.
I read the entire thread and the two of you managed to have a real discussion while providing information and possible solutions.
And to the two of you, I also want to say, kudos for providing for your children and elderly parents, respectfully.
TE, I read how you are living with your mom, taking care of her now. God Bless you. I’ve been there, helped care for my Dad until he died and then my Mom who lived with us once she couldn’t live on her own (her choice, we wanted them to live with us forever, lol but they refused until they had to. Very independent people). It’s incredibly hard and incredibly wonderful at the same time. I’m glad I was able to do it for my parents and I’m glad my children were able to experience it. Your parents raised a good kid. God Bless and good luck.
In spite of my best efforts! ;^) lol