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[quote=Anonymous][quote=Anonymous][quote=Anonymous]But why should OP have to help her in-laws when they put themselves in a financial black hole because of DH's sister's drug habit?[/quote]
OP here - This is my exact stance. Why should my ability to help or not help have anything to do with it? I haven’t been working hard all this time to put it in their pockets. I come from an abusive family and could have used that as an excuse to be running around doing drugs too. Instead, I built a financial future for myself working long hours. Why should I be deprived of what I have earned because other people refuse to work hard and make good choices?
[/quote]

I agree with this entirely.  But I think you need to tell them that.  One time, one person (your DH, preferably, or you if he won't) needs to have a direct, respectful conversation with them.  "ILs, we know you have hinted that that you may need financial help in the future, and we know it's largely because of the money you've been throwing at SIL.  We are not going to willing to subsidize that support."  It's a tough conversation, but you owe it to them to make clear the consequences of their enabling SIL.

And be prepared to fight with your husband about this.  [/quote]

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