I think you have a point naman mommy, maganda magstart mag-ipon as early as possible. Talk to your husband po nang kalmado at maayos. Let him know na hindi mo sinasabing wag sya magpadala ss parents nya, gusto mo lang rin makaipon kayo as a family.
Ikaw mommy, may naiisip ka bang way para madagdagan ang kita nyo? If medyo kulang sa ipon, baka pwede kayo mag-usap ng husband mo na magpundar kayo kahit maliit lang na sari sari store, etc. Para may perang umiikot kahit papano, tapos gamitin nyo yung pera as savings.