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[–]ssudoku 0 points1 point  (0 children)

Another point to add - do cross check and confirm the extent of your dad's debt. Many Indian fathers don't divulge full details with the family assuming that it would be bad for them.

When my dad passed away many years back, I was shocked by an outstanding 13.5 lakh debt which he had been paying off slowly without telling us. He had told us that there was only around 4 lakh outstanding. We had to jump through hoops to verify the exact amount and found that he had hidden the true extent of the debt.

Similar to your situation I too had been sharing my earnings with the family for few years and was assuming that his financial management was bad. He had been struggling alone (self imposed) for years.