<human>: Due to a series of bad decisions, my [30s F] mom [60s f] is out of a job (and a few years from being able to draw on social security or her pension), and can't afford… anything. Again.

My husband [30s M] and I have done what we can, but we can't afford to keep paying her bills. We have our own bills, house, and a baby [<1 M], all of which (shockingly) cost money.

She keeps hinting that if she loses her house, she'll come live with me. This is not an option. Aside from our house not being set up for roommates (which would mean sex and privacy are out for a long time), she and I have completely different ideas of what is appropriate. She's extremely religious, we're both agnostic at best. She thinks wine and curse words are awful and will lecture if she sees/hears it, we love both of those things. Forget being able to watch Game of Thrones, Orange is the New Black, or any other show we enjoy.

She thinks gay people are going to hell, but several of our best friends are gay and lesbian and come over all the time. I asked my mom once if she'd be able to not say anything to them, and she said, "I'll only say something if the lord leads me to." So basically we'll never be able to have our closest friends over.

I've hinted in the past that she can't live with us, but she seems to still think that's an option. For the sanity of my family, it isn't. When it's been mentioned before, she'll start crying and saying that "family needs to stick together".

Long story short, we would essentially be prisoners in our own home, and unable to be ourselves. But she's on the verge of being penniless and homeless.

I'm at the end of a rapidly fraying rope, and I don't know what to do. Help?

Condense the text into a few key points
<bot>: Mom can't live with us for sanity reasons. Can't seem to get that through to her without tears and "unintentional" guilt-trips.