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Well, why do they think they get to decide how to spend your money? For all they know you put it into an IRA. Just because you "have" it doesn't mean you "have" to spend it.
Just do what YOU feel is right for you and your circumstances and don't worry about the rest.
That's my problem what feels right for me, I'm so confused about it! I really want to go home, but every time I think of spending that much money it makes me sick, literally physically sick! Im losing sleep over it and I keep going back and forth, Im just so torn! I wish our family would help pay but they wont, my husband and I are afraid to even ask. His family is who we are afraid of, his mom got really upset with us when she found out we might not spend the money to come home to them.