Hi Stevewoll, based on what you said I will call you MASINOP instead of kuripot. It's a more positive Filipino term. Kuripot can be unreasonable. I used to be like your Ems but my husband is like you. It didn't took long for me to adopt his attitude because I think he is so right being masinop. I think having a family here is not so easy despite having a good paying job. Better save in anyway you can.