Dear readers,

It’s been a rocky two plus years of marriage for me. Off late, I have started to feel that I have made the wrong decision by choosing to get married. Prior to marriage, I had a good life, amazing job, great friends. I was independent and I used to feel productive most of the time. Post marriage, I had to resign my job and move with my husband to a different state. Presently, I do not have a job, no friends and above all I need to put up with my husband’s irresponsible spending habits. From an early age, my parents always taught me to be a responsible person financially and I have abided that till now in my life and will continue to do so. All my bill payments on time, no credit card debt, cleared off my car loan, made enough savings. Little did I know that I would end up marrying a person who is completely opposite to me in this regard. He came loaded with a ton of debt which he is still paying and which he hadn’t mentioned to me at the time of marriage or soon after marriage. As time passed, I slowly started to learn about his irresponsible behavior. This is causing a lot of anxiety to me because being in debt continously for wrong reasons is not a good thing. I do not know what he has done with all the money because he has absolutely zero savings, no home, no car. So, I have no idea what all the money he borrowed was spent on. And the worst part is his parents are equally irresponsible as him. All that they want is to enjoy life, spend recklessly irrespective of where and how the money comes from. I am trying my best to guide him to clear his loans by this year and start off next year on a clean slate but his parents are not letting this happen. They are insisting that they come stay with us in the US for 6 months. They have a useless business running in our home country which is a waste of time and effort as there is no profit whatsoever in it, and there is nobody to take care of it when they come here for six months. Their plan is to leave some incapable people to run the show while they are here. This is causing me more stress and anxiety because it will only add more debt and loan for us to pay off. I politely discussed this with my husband and he just doesn’t seem to understand the implications of bringing his parents now leaving the business behind for others to run it. We need money to close the business and I told him that I will take up a job and once we both are earning, we will have enough money saved up to close the business and bring them here. Neither he understands nor his parents. It’s very very very frustrating for me to be with such irresponsible idiots for the rest of my life. Plus, when his parents are here, we will have expenses here, we need to pay rent for their home and business unit in our home country which is an additional unnecessary expense for us especially with only one person working. I feel like I am stuck in an endless loop. Every time I think of his irresponsible behavior, I feel so scared and anxious about my future. I have told him clearly that I do not want to have kids until he clears off his loans. He still doesn’t take it seriously. My husband still has credit card and other loans to pay off. What do I do with him? How do I handle this situation. I know that I will be in this situation for the rest of my life as long as my in laws are there and I am married to my husband. They spend on unnecessary things all the time. I do not know why they just can’t understand that money doesn’t grow on trees. And me not having a job is adding more pressure and stress to me. I have been applying to several jobs and nothing has materialized yet. I try to remain positive and hopeful but it’s just not possible. Please help.