My Mother-in-law has MS. She needs to keep working until February 2017 when she will be able to go on disability, and when that runs out she'll be able to retire with full benefits including her pension and insurance. Without getting into politics, thanks to ACA it is not feasible for her to stop working before February.
Now, the problem that I am having: She has a 30 mile round trip commute. When she started the job many years ago, she took public transport, but as her MS got worse she had to start driving. It is now getting to the point that she shouldn't be driving. Sometimes, if she is tired, she'll physically move her leg from the gas to the brake or vice-versa with her hands. She drives in stop and go traffic both ways. This obviously can't go on, which leads us to the question of what to do. As I see it, there are a few options, all of them with different costs to us and my in-laws. FIL and BIL cannot drive her in on a regular basis, my wife cannot either--I can since I work near where she does--close enough that it is only 15 minutes by bus or train to get from her office to mine.
So, the options that I see--keeping in mind that my wife and I are moving in September, and eventually we want to move to the town where her parents are from--that could be in September, or 5 years from now if we were to ignore the in-law situation. With any of the options except the last two, my commuting cost stays the same, my wife's goes down, my time goes way up, and her time way down.
- Move in with the in-laws from September through February or March. Pros: Spend about $100/month on a storage unit vs. our $1400 rent. Cons: Wife would probably murder her brother and possibly her mother
- Rent an apartment down the street from the in-laws. Pros--saving $50 to $600 a month on rent, short term options for certain apartments. Cons--not many
- Buy an apartment down the street from the in-laws for ~$100k. Pros--saving about $400 a month if we get a 10 year mortgage compared to our rent, get to own a place, decent chance of becoming a landlord after. Cons: stuck with an apartment we don't especially want
- Try to buy the house next door to them--total question mark as the only reason the kids of the deceased parents didn't put it for sale is to stick it to the restaurant owner next door who wants to buy it and turn it into a parking lot. But they like my wife and her family. Cons: House is dated, and we'd be right next door to her parents. Maybe we try to rent it from them.
- Tell MIL to get an uber every day and stay out of it--but we'd have to somehow convince her she can't drive first.
- Rent an apartment near the MIL's work that can handle my wife and I and MIL. This would cost her about $1500 a month that she isn't paying now. (Due to job constraints, FIL cannot move towns from where he is. And BIL is about worthless with this stuff).
Any thoughts or experiences to relate? Are we crazy for considering something like this? The one big pro to moving to the town in September is that we do eventually want to be there, so we'd be well placed to find the right house when it becomes available. The one big con is that I cannot do this for more than 6-12 months, and MIL wants to keep working until she physically cannot. Realistically I think that the MS will make sure that it isn't longer than 12 months, but I hope for her sake that it is.