<prompt> Human: Hello first time posting here. Im not sure what Im asking for because Im just at a complete loss at the moment and need to talk about my situation. Im 28, married with 2 kids. A 1yo and a 5yo. Im currently working a salaried position making 32.5k a year plus bonuses of 400-800 a month plus gas compensation .32 per mile that equals about 300 a week after I deduct what Im spending on gas a week. Normally I bring a bit over 3k a month home. We currently live with my wifes mother because she is disabled. I help her with her bills and pay mine and this totals roughly 1.3k a month. So I should be able to save quite a bit a month right...wrong my wife and her mother constantly take money from my joint account with wife for dumb stuff fast food, pictures, non necessities and lately its become such a problem that they are over drafting the account to pay for things. Her mother has now recently decided I should be paying every bill in the house instead of our agreed upon splitting when we moved in. When I talk to my wife about it she says we live with her so we should be helping as stated before I already am paying half of everything my wife refuses to get a job because of the kids and because I told her she wouldnt have to several years ago times have changed. I want to get my family away from the mother in law and into our own place but until they stop spending what seems like every cent I have I just cant afford it. So to sum it up Im making more than enough to pay my Bills but because my wife and mother in law are becoming more and more greedy and lazy with money Im in serious debt trouble and idk what to do about it. Im stuck playing catch up at the moment and dont see a light at the end of the tunnel yet. I love my wife and I do not want to leave her so please do not suggest that. Thank you for any advice and for just reading this.  <response>: You really have less of a financial problem than a relationship problem. You cant save up because she and her mother are spending all of it and more. She also doesnt see the need to save up because she doesnt want to leave and only you do. She doesnt want to work because she doesnt believe she has to. These are all relationship issues that you need to work out.We could suggest ways for you to still save, like making an account she cant access and automatically moving money over to it to save, but that brings new problems. First, Im sure your wife will notice that and that will bring more relationship problems. Second, she doesnt want to move so even when you have enough, how are you going to convince her?You can do some things to limit the damage, like turning off overdraft protection so they cant spend what is not in the account.But really you need to have a solid talk with her about goals. And if you both cant come to an agreement, get a third party mediator like a marriage counselor or, if you are religious, your religious leader. 