DEAR ANNIE: My husband has a small family, and his mom is single. My husband and I have two children in elementary school. My husband and I both hope to move to a bigger home in the near future. My mother-in-law is very nice, and we get along well. She is always willing to help out. She recently retired, and she continues to make comments to me about how she could sell her home and move in with us to “help out.” She only makes those comments when my husband is not around. We see her once or twice a week. My husband and I are both fully capable and take good care of our children. I do appreciat…