Dear Annie: My husband spent almost all of our emergency fund without telling me

Emergency Fund Crisis

A wife is struggling with trust issues after her husband spent their emergency fund without her knowledge.

She and her husband have been married for 11 years, maintaining separate finances until he lost his job and started using their joint emergency savings.

I feel like I’m being asked to hand over the keys to the car he already crashed.

He claimed he didn't want to worry her and planned to repay the funds, but has only found freelance work and hasn't replaced the used amount.

The wife is now responsible for paying most of the bills, handling insurance, and managing retirement, leading to a breakdown of trust.

Author's summary: Husband's secret spending sparks trust crisis.

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mlive mlive — 2025-10-24

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