Ay, mahirap talaga ang money issues with in-laws, kaya gets ko ang frustration mo! Honestly, I'd say talk to your husband first privately about what you want to communicate, kung saan kayo aligned, mas malakas ang approach ninyo, pero if he's not helping, sending a respectful message directly to them is okay din, just keep it calm and focused sa facts lang, hindi emotional. A few of us tried reaching out to in-laws about similar stuff, and it worked better when we framed it as "we're figuring this out as a family" instead of taking sides. Good luck, sis, these money convos are never easy but kailangan talaga ng honest talk!