Heyjude

Very similar experience with my parents. Dad passed two years ago, but now dealing with Mom. Open heart surgery that went sideways - couple of strokes and seizures. Long stint in rehab then tried at home alone. She is a pill abuser, so taking too much of certain pills, combined with anti-seizure meds, leads to delirium (temporary dementia). Back to the hospital for that and a fall that resulted in a broken hip. Another stint in skilled nursing - this time in a nursing home. She ranted and raved - calling my sister and I a dozen times of day each. Finally had enough and brought her back to her house. Now the medicine is all locked up and dispensed through a timed dispenser. She is better now that the meds are straight, but we still have to manage just about everything. Finances, shopping, assistance with any little thing that confuses her. Trying to move her closer because even 30 minutes is a pain when it is every little thing.
The lesson I’ve learned - save a lot of money. If you need assisted living, you’ll need at least $6k a month for a decent place. Don’t force your kids to have to make these tough decisions about your care.

My son and I have the same birthday. He was the greatest birthday gift I ever received and it has been wonderful celebrating together all these years. My sister and her son also share the same birthday.

Many credit unions have great student credit card pro grams. Some with 0% interest. Shop around and I’m sure you’ll find a good one. Getting a credit card at a young age, and keeping it open, is one of the best ways to help your credit score. Longevity matters with credit trade lines.

Spouse was 29 when diagnosed. Pretty large tumor and ended up at MD Anderson for a 3rd surgery to remove lymph nodes and parathyroid glands after getting only the thyroid removed during previous surgeries. 10 years later and is completely healthy, but has to take Synthroid and Calcium replacement pills every day. You will be fine. Get a good surgeon - one who has done plenty of Thyroid removals.

We recently purchased a lot and financed with EFCU Financial (the credit union). For the best credit, they had a 100% LTV, 10 year balloon product (20 year amortization) at 5% APR. other options available depending on credit, but that was one of the best products I found. It was earlier this year - before the Fed rate increases. So the rate might be higher now…

I know you have gotten the same advice over and over in this thread and I will say the same: get out as soon as you can. He will never change - he is incapable of it.
My story is a little different. My mother is the narcissist. She is also a prescription drug addict. I’ve had to end all contact with her and my father and I am finally coming through the other side. There are tons of resources out there and FB has some groups specifically for this issue. Good luck!

I do what I can.