My Late Mom Left Me a Trust Fund, but My Dad Took Money from It for His Stepdaughter — I Finally Retaliated

My mom was my everything, and when cancer took her, she left me memories and a lifeline — a trust fund meant for my future. When my dad greedily started using it for his stepdaughter, it felt like he was erasing Mom’s memory piece by piece. I couldn’t let him take what was left of her or me.

There’s this thing about losing someone you love — you carry the weight of it forever, even if it doesn’t show. I lost my mom to breast cancer when I was ten. One day, she was there, brushing my hair and humming to some old rock song, and the next, she was gone. Just like that.

A grieving young woman mourning before a loved one's grave | Source: Freepik

A grieving young woman mourning before a loved one’s grave | Source: Freepik

I remember our last conversation like it was yesterday. She was sitting on her hospital bed, her fingers weakly running through my hair.

“Promise me something, baby girl,” she whispered.

“Anything, Mom,” I said, trying to hold back my tears.

“Promise me you’ll never let anyone dim your light. You’re so special, Iris. So incredibly special.”

A sad woman sitting on a hospital bed | Source: Pexels

A sad woman sitting on a hospital bed | Source: Pexels

She didn’t leave me with much — just a few photos, the smell of her favorite vanilla perfume lingering on her scarves, and a trust fund she set up for me before she passed.

“This is for Iris,” she’d told my dad and my grandparents. “For her education and her future. Promise me she’ll always have it.”

They promised. My dad promised too. But promises don’t mean much when someone’s not around to hold you to them.

A trust agreement on a table | Source: Midjourney

A trust agreement on a table | Source: Midjourney

My dad remarried two years later. His new wife, Marianne, came with her own baggage: a twelve-year-old daughter named Emily.

I didn’t mind at first. Mom was gone, and I thought maybe this could be a new chapter.

But I quickly learned how things would work in our house: Emily first, Marianne second, Dad somewhere in the mix, and me? Not even in the picture!

An annoyed girl | Source: Pexels

An annoyed girl | Source: Pexels

It started small. Once, our fridge and shower broke at the same time. Dad took money from the trust fund without my permission to fix them.

“I’ll pay it back,” he said like it was no big deal. A week later, he bought Emily a MacBook for her birthday. On mine? A $100 gift card.

It wasn’t the money — it was the message.

Over the years, he kept dipping into the fund for car repairs, home renovations, and things that had nothing to do with me. “It’s just temporary,” he’d always say. But the withdrawals kept piling up, and the “temporary” excuses wore thin.

A frustrated teenage girl | Source: Pexels

A frustrated teenage girl | Source: Pexels

By the time I got to college, I didn’t need the money for tuition because of my scholarship. That didn’t stop him from finding new ways to use it, though. Every time I brought it up, he brushed me off. “Don’t stress, Iris. It’s safe.”

Safe. Right.

“You understand, don’t you, Iris?” That’s what he’d always say when something I needed got pushed aside for Emily. New clothes for her pageant? Sure. My vacation? Maybe next year. It stung, but I swallowed it down.

But the swallowing got harder.

I’ll never forget the day I realized how much of Mom’s trust fund was gone. It was late one night during my final year of college. I’d overheard Emily talking to her friends about how “Daddy” was covering the cost of her new car. My stomach twisted as I thought about the fund.

A delighted woman talking on the phone | Source: Midjourney

A delighted woman talking on the phone | Source: Midjourney

“Can you believe it?” Emily squealed through the thin walls. “A brand new BMW! Daddy said I deserve it for making it to nationals!”

My hands trembled as I sat at my desk, memories of Mom’s words echoing in my head: “This is for Iris. For her future.”

It had been years since I’d seen the account. My dad had told me not to “stress over it.” But now, something felt off, and I decided to check it.

I logged into the account, and my heart sank. The numbers didn’t make sense. Thousands were missing. Pageant fees. A water heater. Emily’s car. Every withdrawal was like a punch in the gut.

A woman using a laptop | Source: Pexels

A woman using a laptop | Source: Pexels

By the time I closed my laptop, my hands were shaking. This wasn’t just money. It was Mom’s legacy. She’d trusted Dad to protect it, and he’d drained it like it was his personal wallet.

I called my grandma the next morning.

“Sweetheart,” she said after I told her everything. “This has gone on long enough. You have to stand up to him.”

“I can’t breathe, Grandma,” I sobbed into the phone. “It feels like he’s erasing Mom piece by piece. Like he’s erasing ME.”

“Oh, my sweet girl,” she whispered. “Your mother would be furious right now. She fought so hard to make sure you’d be taken care of.”

“I know,” I cried, my throat tight. “I trusted when he said he’d put the money back. But he’s only been draining Mom’s hard-earned money.”

A worried older woman talking on the phone | Source: Midjourney

A worried older woman talking on the phone | Source: Midjourney

“Your mother was a fighter,” Grandma added. “And so are you. It’s time to show them that.”

“I will when the right time comes,” I said, my heart heavy as I hung up.

It all came to a head a week later. Graduation was around the corner, and I was finally ready to celebrate after four years of sleepless nights and busted printer deadlines. I called Dad and told him I was graduating on December 20th. I could hear the pause on the other end of the line, long enough for my stomach to drop.

A woman calling her father | Source: Midjourney

A woman calling her father | Source: Midjourney

“Oh, December 20th?” he said finally. “That’s when Emily’s pageant is. We’ve already made plans.”

“You’re missing my graduation for a pageant?”

“Ah, c’mon, Iris. Graduation’s not a big deal. You’ll have more of those. But this pageant? It’s her chance to shine.”

I didn’t even realize I was gripping my phone so hard until my fingers started to hurt. “You’re kidding, right?”

A woman engrossed in a phonecall | Source: Pexels

A woman engrossed in a phonecall | Source: Pexels

I heard Marianne chime in, her tone dripping with condescension from the background. “Don’t be selfish, Iris. Graduations happen all the time. Emily’s pageant is once-in-a-lifetime.”

“Selfish?” I spat. “Dad, this isn’t about being selfish. This is about you choosing Emily over me. Again.”

“That’s not fair —” he protested.

“Not fair? You want to talk about fair? When was the last time you chose me? When was the last time you even saw me?”

A man on a phonecall | Source: Midjourney

A man on a phonecall | Source: Midjourney

“Of course I see you, Iris.”

“No, you DON’T!” The words burst out of me like a dam breaking. “You see Emily. You see her pageants and her dance recitals and her EVERYTHING. But me? I’m just the ghost in the corner. Mom’s leftover that you don’t know what to do with.”

“Iris, that’s enough!”

“No, it’s not enough! It’s never been enough!” I cried, years of hurt pouring out. “Do you know what Mom’s last words to me were? She made me promise not to let anyone dim my light. But you’ve been doing exactly that for years, Dad. Years!”

A furious woman talking on the phone | Source: Pexels

A furious woman talking on the phone | Source: Pexels

He sighed like I was being unreasonable. “We’ll celebrate when we’re back. I promise.”

The word “promise” hit me like a slap. “Your promises don’t mean anything anymore,” I whispered. “They haven’t since Mom died.”

I hung up without saying goodbye. My grandparents, at least, showed up for my graduation. Seeing their proud faces in the crowd made the day feel a little less lonely. They hugged me so tightly afterward, reminding me that someone still cared. I was happy, but I had one last thing to do.

A heartbroken woman | Source: Midjourney

A heartbroken woman | Source: Midjourney

The next day, I walked into Dad’s office with the account statements in hand. My stomach was doing backflips, but I couldn’t let that stop me.

“We need to talk,” I said, shutting the door behind me and dropping the papers on his desk.

Dad looked up from his computer, frowning. “What’s this?”

“The trust fund statement. Mom’s trust fund. The one you’ve been draining for years.”

His face paled, but he tried to play it off. “Iris, come on. Everything I’ve spent was for the family. You’ve never needed it. You had a scholarship.”

“That money wasn’t for the family,” I cut in. “It was for ME. For MY future. And you spent it on Emily. Don’t even try to deny it. The statements don’t lie.”

A stack of documents on a table | Source: Midjourney

A stack of documents on a table | Source: Midjourney

“You don’t understand what it’s like,” he stood up, his voice rising. “Being a father, trying to blend two families —”

“And you don’t understand what it’s like watching your father erase every trace of your mother!” I shot back. “That money was the last thing she could give me, and you treated it like your personal ATM!”

He leaned back in his chair, his jaw tightening. “I did what I had to do.”

“No,” I said, standing my ground. “You did what was convenient for you. And now you’re going to pay it back. Every penny.”

His laugh was bitter. “And if I don’t?”

“Then I’ll sue you.”

A woman crossing her arms and pointing her finger at someone | Source: Pexels

A woman crossing her arms and pointing her finger at someone | Source: Pexels

The room went silent. For the first time in my life, I saw real fear in his eyes.

“You wouldn’t,” he said finally.

“Mom always said I had her backbone,” I replied. “Maybe it’s time you remembered that.”

The fallout was as messy as I expected. My stepmom and stepsister called me, yelling through the phone. “How could you do this, Iris?” Marianne’s voice was shrill like I had personally burned their house down.

“Do what?” I said, gripping my phone tighter. “Stand up for myself? Demand the respect I’ve never gotten from you people?”

An annoyed senior woman | Source: Midjourney

An annoyed senior woman | Source: Midjourney

“Don’t make this about you,” she snapped. “You’re punishing us because we couldn’t be in two places at once. You know how much Emily’s pageant meant to her!”

“And my graduation didn’t mean anything to you,” I fired back. “I’ve had enough, Marianne. I’m done.”

“How dare you? After everything we’ve done for you?”

“Done for me?” I laughed hollowly. “What exactly have you done except try to replace everything about Mom?”

A young woman laughing | Source: Midjourney

A young woman laughing | Source: Midjourney

“I tried to be a mother to you!”

“No,” I snapped. “You tried to erase my mother. There’s a difference.”

She called me a “selfish” brat. But I didn’t back down.

Under the U.S. law, she and Dad had no leg to stand on. My grandparents helped me draft the legal documents, and by the time I handed them over, Dad knew he was out of options.

A month later, the money was back in my account. They’d taken out loans to do it, but that wasn’t my problem. I moved out the next week and settled into my grandparents’ house temporarily. It felt good to be somewhere warm and safe for once.

A woman with a suitcase and bag | Source: Pexels

A woman with a suitcase and bag | Source: Pexels

“You’ve always been stronger than you think, Iris,” Grandma said one night as we sat on the porch. She wrapped her cardigan around my shoulders, and it smelled like Mom’s vanilla perfume.

“I didn’t feel strong,” I admitted, staring at the stars. “I just felt angry.”

“Sometimes, anger is what we need to get moving,” she said with a smile. “Your mother… she knew this might happen, you know. That’s why she made us promise to watch over you.”

“She did?”

“Oh yes. She said, ‘My Iris might bend, but she’ll never break.’ She knew exactly who you were, sweetheart.”

I handed her a check the next day, a portion of the repaid money. She tried to refuse it, but I insisted. “You and Grandpa have done more for me than anyone else ever has. Please. Let me do this.”

A woman holding a check | Source: Midjourney

A woman holding a check | Source: Midjourney

She hugged me so tightly that I thought I might break. “We’re so proud of you. And your mom… oh, she would be over the moon.”

With the rest of the money, I enrolled in grad school and got my own apartment. It wasn’t fancy, but it was mine.

One night, as I unpacked some boxes, I came across an old photo of Mom and me. She was holding me in her lap, her smile soft and warm.

“I did it, Mom,” I whispered, running my fingers over the photo. “I kept my promise. I didn’t let them dim my light.”

A woman holding an old photograph | Source: Midjourney

A woman holding an old photograph | Source: Midjourney

My phone buzzed with a message from Dad. But I didn’t open it.

Instead, I texted Grandma: “I think I’m finally free.”

Her reply was immediate: “You are, sweetheart. You are. Your mother is probably dancing in heaven right now.”

I set the phone aside and smiled, my eyes misty. For the first time in years, I felt like I was finally living for me. Living how Mom had always wanted me to… bright and unafraid.

An emotional young woman | Source: Midjourney

An emotional young woman | Source: Midjourney

This work is inspired by real events and people, but it has been fictionalized for creative purposes. Names, characters, and details have been changed to protect privacy and enhance the narrative. Any resemblance to actual persons, living or dead, or actual events is purely coincidental and not intended by the author.

The author and publisher make no claims to the accuracy of events or the portrayal of characters and are not liable for any misinterpretation. This story is provided “as is,” and any opinions expressed are those of the characters and do not reflect the views of the author or publisher.

My Husband Made a Schedule to ‘Improve’ Me as a Wife — I Taught Him a Valuable Lesson Instead

I was stunned when my husband, Jake, handed me a schedule to help me “become a better wife.” But instead of blowing up, I played along. Little did Jake know, I was about to teach him a lesson that would make him rethink his newfound approach to marriage.

I’ve always prided myself on being the level-headed one in our marriage. Jake, bless his heart, could get swept up in things pretty easily, whether it was a new hobby, or some random YouTube video that promised to change his life in three easy steps.

But we were solid until Jake met Steve. Steve was the type of guy who thought being loudly opinionated made him right, the type that talks right over you when you try to correct him.

He was also a perpetually single guy (who could have guessed?), who graciously dispensed relationship advice to all his married colleagues, Jake included. Jake should’ve known better, but my darling husband was positively smitten with Steve’s confidence.

I didn’t think much of it until Jake started making some noxious comments.

“Steve says relationships work best when the wife takes charge of the household,” he’d say. Or “Steve thinks it’s important for women to look good for their husbands, no matter how long they’ve been married.”

I’d roll my eyes and reply with some sarcastic remark, but it was getting under my skin. Jake was changing. He’d arch his eyebrows if I ordered takeout instead of cooking, and sigh when I let the laundry pile up because, God forbid, I had my own full-time job.

And then it happened. One night, he came home with The List.

He sat me down at the kitchen table, unfolded a piece of paper, and slid it across to me.

“I’ve been thinking,” he started, his voice dripping with a condescending tone I hadn’t heard from him before. “You’re a great wife, Lisa. But there’s room for improvement.”

My eyebrows shot up. “Oh really?”

He nodded, oblivious to the danger zone he was entering. “Yeah. Steve helped me realize that our marriage could be even better if you, you know, stepped up a bit.”

I stared at the paper in front of me. It was a schedule… and he’d written “Lisa’s Weekly Routine for Becoming a Better Wife” at the top in bold.
This guy had actually sat down and mapped out my entire week based on what Steve — a single guy with zero relationship experience — thought I should do to “improve” myself as a wife.

I was supposed to wake up at 5 a.m. every day to make Jake a gourmet breakfast. Then I’d hit the gym for an hour to “stay in shape.”

After that? A delightful lineup of chores: cleaning, laundry, ironing. And that was all before I left for work. I was supposed to cook a meal from scratch every evening and make fancy snacks for Jake and his friends when they came over to hang out at our place.

The whole thing was sexist and insulting on so many levels I didn’t even know where to start. I ended up staring at him, wondering if my husband had lost his mind.

“This will be great for you, and us,” he continued, oblivious.

“Steve says it’s important to maintain structure, and I think you could benefit from —”

“I could benefit from what?” I interrupted, my voice dangerously calm. Jake blinked, caught off guard by the interruption, but he recovered quickly.

“Well, you know, from having some guidance and a schedule.”

I wanted to throw that paper in his face and ask him if he’d developed a death wish. Instead, I did something that surprised even me: I smiled.

“You’re right, Jake,” I said sweetly. “I’m so lucky that you made me this schedule. I’ll start tomorrow.”

The relief on his face was instant. I almost felt sorry for him as I got up and stuck the list on the fridge. Almost. He had no idea what was coming.

The next day, I couldn’t help but smirk as I studied the ridiculous schedule again. If Jake thought he could hand me a list of “improvements,” then he was about to find out just how much structure our life could really handle.

I pulled out my laptop, opened up a fresh document, and titled it, “Jake’s Plan for Becoming the Best Husband Ever.” He wanted a perfect wife? Fine. But there was a cost to perfection.

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I began by listing all the things he had suggested for me, starting with the gym membership he was so keen on. It was laughable, really.

“$1,200 for a personal trainer.” I typed, barely containing my giggle.

Next came the food. If Jake wanted to eat like a king, that wasn’t happening on our current grocery budget. Organic, non-GMO, free-range everything? That stuff didn’t come cheap.

“$700 per month for groceries,” I wrote. He’d probably need to chip in for a cooking class too. Those were pricey, but hey, perfection wasn’t free.

I leaned back in my chair, laughing to myself as I imagined Jake’s face when he saw this. But I wasn’t done. Oh no, the pièce de résistance was still to come.

See, there was no way I could juggle all these expectations while holding down my job. If Jake wanted me to dedicate myself full-time to his absurd routine, then he’d have to compensate for the loss of my income.

I pulled up a calculator, estimating the value of my salary. Then, I added it to the list, complete with a little note: “$75,000 per year to replace Lisa’s salary since she will now be your full-time personal assistant, maid, and chef.”

My stomach hurt from laughing at this point.

And just for good measure, I threw in a suggestion about him needing to expand the house. After all, if he was going to have his friends over regularly, they’d need a dedicated space that wouldn’t intrude on my newly organized, impossibly structured life.

“$50,000 to build a separate ‘man cave’ so Jake and his friends don’t disrupt Lisa’s schedule.”

By the time I was done, the list was a masterpiece. A financial and logistical nightmare, sure, but a masterpiece nonetheless. It wasn’t just a counterattack — it was a wake-up call.

I printed it out, set it neatly on the kitchen counter, and waited for Jake to come home. When he finally walked through the door that evening, he was in a good mood.

“Hey, babe,” he called out, dropping his keys on the counter. He spotted the paper almost immediately. “What’s this?”

I kept my face neutral, fighting the urge to laugh as I watched him pick it up. “Oh, it’s just a little list I put together for you,” I said sweetly, “to help you become the best husband ever.”

Jake chuckled, thinking I was playing along with his little game. But as he scanned the first few lines, the grin started to fade. I could see the wheels turning in his head, the slow realization that this wasn’t the lighthearted joke he thought it was.

“Wait… what is all this?” He squinted at the numbers, his eyes widening as he saw the total costs. “$1,200 for a personal trainer? $700 a month for groceries? What the hell, Lisa?”

I leaned against the kitchen island, crossing my arms.

“Well, you want me to wake up at 5 a.m., hit the gym, make gourmet breakfasts, clean the house, cook dinner, and host your friends. I figured we should budget for all of that, don’t you think?”

His face turned pale as he flipped through the pages. “$75,000 a year? You’re quitting your job?!”

I shrugged. “How else am I supposed to follow your plan? I can’t work and be the perfect wife, right?”

He stared at the paper, dumbfounded.

The numbers, the absurdity of his own demands, it all hit him at once. His smugness evaporated, replaced by a dawning realization that he had seriously, seriously messed up.

“I… I didn’t mean…” Jake stammered, looking at me with wide eyes. “Lisa, I didn’t mean for it to be like this. I just thought —”

“You thought what? That I could ‘improve’ myself like some project?” My voice was calm, but the hurt behind it was real. “Jake, marriage isn’t about lists or routines. It’s about respect. And if you ever try to ‘fix’ me like this again, you’ll be paying a hell of a lot more than what’s on that paper.”

Silence hung in the air, thick and uncomfortable. Jake’s face softened, his shoulders slumping as he let out a deep sigh.

“I’m sorry,” he whispered. “I didn’t realize how ridiculous it was. Steve made it sound sensible, but now I see it’s… it’s toxic. Oh God, I’ve been such a fool.”

I nodded, watching him carefully. “Yes, you have. Honestly, have you looked at Steve’s life? What makes you think he has the life experience to give you advice about marriage? Or anything else?”

The look on his face as my words hit home was priceless.

“You’re right. And he could never afford to live like this.” He slapped the list with the back of his hand. “He… he has no idea about the costs involved, or how demeaning this is. Oh, Lisa, I got carried away again, didn’t I?”

“Yes, but we’ll recover. Now, let’s tear that paper up and go back to being equals.”

He smiled weakly, the tension breaking just a little. “Yeah… let’s do that.”

We ripped up the list together, and for the first time in weeks, I felt like we were back on the same team.

Maybe this was what we needed, a reminder that marriage isn’t about one person being “better” than the other. It’s about being better together.

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