Thank you for your question. I look forward to working with you to provide you the information you are seeking for educational purposes only.
I am a DIFFERENT CONTRIBUTOR and I apologize for the delay.
First, your sister is no dummy either, she is skimming money from the estate at your expense. You are exactly right and you are entitled to 50% and that means 50% of EVERYTHING after the debts are paid.
If your sister is taking payments out of your share only, that is improper and also a breach of fiduciary duty as an executor.
The one mistake you did make is allowing her to be executor after the issue over the gold bar. That should have told you right then and there that there was going to be a problem with her and her greed.
So the next step here based on the conduct you describe is to file a motion to remove her as executor based on her breaching her fiduciary duty and paying out improperly and not making proper distribution as required. You have to now fight to have her removed and I am afraid this means you need to get your own probate
attorney to do so because the one you have already will not help as he represents the probate estate. So you will have to petition the court to get rid of her as executor and as part of that process you will also get an estate accounting and you will be able to reconcile what she was giving out and self dealing spending for her own needs and you can then make adjustments while there are still assets in the estate instead of having to pursue her in court for recovery of property.
Sadly, that gold bar is gone, it would be perfect if you could find that, because then that would seal her fate as removal from being executor for stealing from the estate and it could also end her up in jail for a felony theft charge. However, even without that if the distributions are not being done properly, you have grounds to remove her from executor for cause and that is your recourse here because if not this will keep going on and you will never set it straight.