I live with my mother but I can't work out of the home for fear that she will fall due to being off-balanced, legally blind and having Dementia. I looked at some newspaper ads for caregivers and most charge atleast $2400.00 a month for living in. Also, private companies like Home Instead are outrageously high. So I don't feel guilty that I am not contributing much because basically I am contributing my life, my time, and sacrificing working to try to save for my retirement. I am 64 years old and receive a small widow's pension. I rarely go out with friends, stay in the home to ensure her safety and monitor all medications, dress, bathe, drs. appts, cook, grocery shopping, pay her bills, talk to her creditors, do her taxes, and the list goes on. Even a live in wouldn't be able to do her personal finances. So, truly I think it is a win win situation for both of us as she has me (her daughter here) not a stranger and can ask me to buy her things that she needs. I don't feel guilty at all because caregiving is a lonely depressing job when it is done day in and day out.