You technically stole his money and spent it how YOU decided (all by yourself) it should be spent instead of sitting down with everyone and having an adult discussion on responsibilities and expectations. You are delusional to try to pass this off as protective, it was more a control freak kind of thing to do; and it was so over the top I can't imagine how you can gracefully recover from it.
I Refuse to Let My Irresponsible Stepdaughter Exploit Her Dad

In blended families, it’s common for parents to have differing views on how to handle their children. Colleen’s husband continues to provide financial support to his 19-year-old daughter, who is pregnant and already a mother of two. Meanwhile, Colleen feels that her stepdaughter should not be coddled and needs to learn to take responsibility for her actions. This clash in parenting styles led to a situation that went terribly wrong, and Colleen has shared her story with us.
Here is Colleen's letter:

Hi Colleen! Thank you for sharing your story with us. We’ve prepared 4 pieces of advice that we believe can help you.
Seek mediation or couples counseling.
Given the emotional and financial conflicts, involving a neutral third party could help. A mediator or counselor can facilitate a discussion between you and your husband to address the underlying issues.
This professional might help clarify each other's perspectives, restore communication, and find a resolution that acknowledges both your concerns and your husband’s responsibilities.
Reevaluate financial decisions and transparency.
Consider discussing the financial decisions and future planning openly with your husband. Since you drained the shared savings account without his consent, it’s crucial to establish a clear, mutually agreed-upon approach to handling finances moving forward.
This might involve setting up separate accounts for personal expenditures and jointly managed accounts for shared expenses, ensuring that both parties are informed and agree on financial decisions.
Engage in a direct conversation with your stepdaughter.
It may be beneficial to address the situation directly with your stepdaughter. An honest conversation about her expectations and how her actions have impacted your relationship with her father could help clear misunderstandings.
Express your intentions and concerns, and listen to her perspective to potentially reach a better understanding and find common ground.
Consider moving out temporarily for reflection.
If the tension remains high and communication isn’t improving, temporarily moving out might provide space for both you and your husband to reflect on the situation. This physical distance could give you time to think about your relationship and future steps without the constant emotional strain.
Use this time to assess what you both need and whether there’s a path forward that respects both your needs and your husband’s.
Another stepmom dealing with tension is Claudia. When her 32-year-old stepdaughter lost her job and decided to move back in with her father, Claudia insisted that she pay rent. This decision led to an unexpected turn of events, and she reached out to us for advice. Read her story here.
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