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I’m living with her and take care of her 24/7.

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Caregivers are paid $15. to $25.00 per hour.  Are you being paid?  If you care for someone 24/7, they should be paying you - not the other way around.  We need more info to give sound advice.
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I can't see why you would be expected to pay rent to be a full time caregiver. Are you being paid for your work?
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We need more info on your situation. There is a trust involved, yes?
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