Clearly your in laws took your DH for granted. They didn't think about their daughter's marriage or your DH future before spending all that amount. And there is no use in blaming anyone now. I don't think your husband has learnt lesson even now. Don't try to explain to him how his parents are. Instead, insist on building savings for your future. Start saving for your buying home, kids, India trips, medical expenses etc. Sit with him and analyse your financial situation, income, loans, cost of living in US and savings. After all this, ask him to send 20k to his parents as he used to do before and put 30k in India savings every month on your husband name. Tell him that money can be used for his parents medical expenses or any unexpected expense. He can tell his parents the same but don't let him give the whole 50k to them. Whenever time permits, explain to your husband about priorities. I think you will be planning to have kids soon as you are nearing 30. Start saving now.