Gavra: is it too much to ask to read the opening post before commenting? When someone states he has a child and another on the way where does a SIL come into the picture? He probably has personal loans to pay off, and/or working for low pay. Kollel bashing is way off base here.
Except that that is Pumpt the person who I am thinking of (SIL in Kollel & more children on the way), I would agree. Being that I’ve seen it, I wouldn’t say not. I missed the part about “one child” though, and wouldn’t have mentioned it had I seen that.
C”V that “Bashing Kollel” comes into play. However, when you have your FIL collect so that you can remain in Kollel, that goes way beyond the pale.
Actually, you bring up a good point. People in Kollel learn to be “Mistapek B’muat”, or live with less (which is an awesome Middah to have). The OP could probably learn from Kollel members how to get his finances under control.