@yellowmango I wish I could chop his credit cards, but practically it is a different case altogether. He had 3 credit cards some 6 years back, when we were not in good terms. He used them for whatever reasons, but he claims he used them for his India trip, and shopping for the kid's birth function, but I doubt he would have continued supported his family that time (after I had withdrawn my joint AC with him). The 3 credit card loans are huge, and above his present capacity to pay them back. You know, how they calculate interest for late payments and all, right. So, now that the loan has been mounted so high, that he could only pay the minimum balance to avoid complications. But this minimum payment itself (only the interest and a very little deduction from the loan) cost 30% of his present salary. Earlier, he used to say that he pays 80% of his salary on this credit card loans, hence share 20% with family (that too 15% would be only the bills like his personal expenses, presents for kids like that). But his credit card balance remained the same each year. I felt like he is showing this credit card as an excuse to escape from his responsibilities. So, why I have made him to commit with a car loan, as we badly needed that second car that time. Now that he pays 50% of his salary for the loan, and 20% for the credit card, and the remaining 30% for his personal needs/support to his parents, and as well to gift kids here and there. Can't rely on him for the family's needs. Forget about savings and future plans. Now, I need a way to handle this matter. I have repeatedly asked him to show his credit card balance, but he says only 1 card has on-line access, and others don't have. Somehow, he didn't show me his credit cards yet, despite of asking him so many times. All he says is reasons, that too tactful, believable reasons. But my instinct says that he supports his parents for their grocery and medical bills using his credit cards each month. He has no escape from this crocodiles, as they have mesmerized him so much, that he will even die to support them. Never-mind. I advised them to earn more. So that he can full-fill his FOO's and his immediate family's needs simultaneously. He is a PhD holder, with 15 years of experience. Why can't he secure a decent-well paying job to support both families? If not locally, why can't he take extreme steps like me to find international posts for a couple of years, at least to clear all his personal loans, so that he can continue with a flexible job after that. Given the fact that his role at the family front is very minimum, and his wife (me) can handle everything at home alone, why he is reluctant to even move away from home? The thing is, each time after a discussion with me on this, he agrees to apply for jobs. I even help him. But soon, his daddy devil comes with a horror scope only to say that he shouldn't take any steps in career right now, as the planets are unfavorable to him. Come on... How many years since we are waiting for his planets to turn right. It seems it never happens. I want your advice on how better I can tackle this issue?