best course is to take over your moms house at some point in time and have a side income either from investments that would support your simple lifestyle...
and you have to remember to keep it simple till the end..

if house is double storey, i dont think you need it... move to outskirt state and sell the house for a single storey small unit... (not condo as they come with pesky maintenance feees)...

talk to your mom...

on side line.. try to see what you can do to build up that passive income till when you're retired and able to sustain your simple lifestyle...