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Wife Finds Out Husband’s Hiding Money In Secret Account, Decides To Go Back To Work

by Leona Pham
December 10, 2025
in Social Issues

Trust is one of the cornerstones of any marriage, but what happens when it’s shattered over something as seemingly simple as money?

For one woman, the realization that her husband had been hiding money from her for months hit like a ton of bricks. It wasn’t just the financial betrayal that hurt, it was the years of shared plans and promises that now felt like a lie.

After months of carefully planning to raise their baby with financial security, she discovered that her husband had been lying about his income and secretly stashing away funds in an account she didn’t even know existed.

Now, feeling betrayed and insecure, she’s decided to go back to work and put the baby in daycare, despite her husband’s emotional reaction. Did she overreact, or is she justified in making a drastic change to protect herself and her future? Scroll down to see how this situation unfolded.

A wife finds out her husband has been hiding money and lying about his income, causing tension

Wife Finds Out Husband’s Hiding Money In Secret Account, Decides To Go Back To Work
not the actual photo

'AITA for telling my husband that I am going back on our agreement and I dont care if he cries about it?'

My husband and I (both 32) have been together since we were 19.

Our entire relationship feels like it just blew up in my face, basically, and I cant tell if I am overreacting.

So, we both wanted 1 child and we have planned this for YEARS. We wanted everything perfect first.

The home, the careers, the savings, the investments, the nest egg, etc etc etc

because we both knew from very early on that once we had a baby, I would be staying home full time and raising our child.

His brothers life was unfortunately cut short by a daycare worker when he was just 5 months old, back in 2017.

So daycare wasnt an option basically and we need to make sure our ducks were in a row

so I could stay home and be a full time parent.

Two years ago we were sitting on half a million in investments, a few nest eggs in different types of savings

and bonds accounts, we bought the house, we even bought a damn boat.

Everything we planned for fell in to place, finally, and we started trying for a baby.

We now have a perfect 4 week old daughter. I have been out of work since I was 5 months pregnant,

due to placenta abruption but otherwise everything went fine.

She's perfectly healthy, was a good weight and I bounced back from the delivery fairly quickly

because of how much of a support system my husband was.

He did more than his fair share, while still working full time.

Which is partially why I cannot tell if I am being dramatic or if this is hormones or PPD or whatever. Like I am legitimately livid.

So, basically, earlier this afternoon I get a phone call from DHHS to go over health insurance options

and whether or not the baby is eligible for state insurance based off our income.

I had already given DHHS all of our info (social security numbers, DOB, etc etc)

when they called yesterday and was just waiting for all our info and assets to be pulled.

Anyways, she calls and says we arent eligible because my husband makes too much money

and that we will need to add her to our private insurance. Absolutely no problem at all! I kind of figured that anyways.

But then she off handedly mentions that my husband is making $10,920 monthly gross

and that the cut off for state insurance is $7,830 monthly gross.

Well... here's the issue... for months my husband has been telling me that he only makes $6k a month after taxes.

So I get off the phone and I log in to my husband's computer and into his banking

and sure enough, his monthly take home is bordering around $8500.

He is transferring everything over $6k in to an account I didnt even know existed.

So, I call him out on it and he breaks down and tells me that he "just wanted something that was only his".

Please keep in mind that ALL of my money has ALWAYS gone into our joint account that he uses on a daily basis.

So he is hiding money from me so he can have his own money, while plugging away at mine.

Over $45k he has sitting in that account.

While telling me last week that we couldn't have steak for dinner because spending $38 on 2 steaks was a "waste of money".

So, I told him I am putting the baby in daycare and going back to work

because obviously I need to safeguard myself if he is hiding away money.

Something feels off about it, idk. He instantly started crying (see above, daycare trauma)

but I truly just dont trust him financially anymore. I no longer feel secure here.

I said I changed my mind and I don't care if he cries about it. AITA?

Trust is the cornerstone of any successful partnership, and when financial transparency is compromised, it creates a rift that is difficult to repair.

In this story, the wife’s reaction to discovering her husband’s hidden savings is not just about the money; it’s about a betrayal of the foundation they built together.

Her decision to go back to work and put their child in daycare is a natural response to the loss of security she once felt in her marriage. It’s not an overreaction, but a healthy step in reclaiming control over her life and finances.

The emotional core of this conflict lies in the breach of trust. The couple had agreed on a financial plan where transparency and shared goals were essential, and the wife trusted her husband to be open with her.

When she discovered that he had been secretly transferring large sums of money into an account she didn’t know about, it wasn’t just about the money; it was about feeling deceived and unsupported.

Financial transparency is essential in any relationship, particularly when raising a child, and when that trust is violated, it shakes the very foundation of the relationship.

Her decision to go back to work wasn’t just about returning to her career; it was about protecting herself emotionally and financially in the face of betrayal.

A fresh perspective on this situation can shed light on the psychological impact of financial secrecy in relationships.

Dr. Karen Stollznow, a psychologist and relationship expert, explains that financial infidelity (or financial secrecy) often points to deeper issues in relationships, particularly a lack of emotional intimacy.

She writes, “Financial infidelity can also destroy a relationship. Keeping secrets about money can negatively affect relationship stability and satisfaction.”

She adds, “Alternatively, individuals who are already cheating on their spouse may use financial deception to facilitate or maintain an affair, for example, buying gifts for a paramour. One survey showed that 52 percent of the respondents said that financial cheating is just as bad as physical cheating, while 12 percent believe it’s actually worse.”

This insight perfectly aligns with the wife’s situation. Her decision to step away from the stay-at-home arrangement wasn’t just about anger, it was a way to safeguard her future. She needed to regain control over her financial independence, something that had been threatened by her husband’s actions.

Her decision wasn’t rash, but rather a well-considered choice to protect her emotional well-being and her family’s security.

In the end, her decision to go back to work and secure her financial future was justified. It’s not about punishing her husband; it’s about protecting herself from the emotional and financial harm caused by his secrecy.

The husband’s emotional response, though rooted in his own trauma, cannot justify hiding money from his wife. She is right to prioritize her own well-being and the stability of their family. Trust can be rebuilt, but only if both partners commit to transparency and respect moving forward.

Take a look at the comments from fellow users:

These commenters highlight how OP’s husband is controlling finances and being deceitful, creating a major imbalance

5htfanned − NTA he thought he was being sneaky get you caught up being a homemaker with no individual income depent on him.

All the while he's hiding a third or so of his money for his use alone.

He figured he owned you at this point and the crying is emotional blackmail.

Nemphedisis − NTA originally i were worried it would be because you

“just wanted to go to work and not have a discussing with him”

or something odd like that but then you pull out the HE WANTS HIS OWN MONEY card and I’m sorry. . what?

I get where he’s coming from, but he dosnt get to make that decision when you’re a stay at home mom,

SIMPLY because you cannot do the same.

It’s a crazy amount of imbalance in the relationship and it is crazy to me that he does not see it.

If he’s up for it, I suppose you could tell him that you’d be willing to stay at home

and not work as long as he starts being f__king honest about his money and that half of the amount

that he saves “for himself” has to go to you and an account in just your name as well.

So that you’re equal and both have savings. It’ll also show other cracks.

If he says no, then why would he say no? Is it because he thinks it’s his money?

Or that he won’t be able to save enough for himself? Or some other reason that makes no sense?

A family where a parent is lucky-and willing-enough to stay home and take care of the house has to be equal, especially money wise.

You lose more than he does even if he splits it in half, since the years your off the working force

would make it much harder for you to return to the work force if you wanted to when your child is a teenager or something.

So yeah... keep us updated, cus wow. F__k that guy right there.

NobodybutmyshadowRed − NTA - It appears to me that he has already gone back on your agreement

by deceiving you about his finances. If he wanted something that was his,

you could have agreed to have separate personal accounts as well as joint accounts that fund your regular expenses.

Why didn't it occur to him that you might want something that was just yours.

I wouldn't trust him either. With that kind of money, if he doesn't want your child in daycare,

perhaps he should pay out of his funds that he has been hiding whatever the extra would be for a nanny.

Added: in view of the nanny problems that people discussed, he can spring for nanny cams while he's at it.

This group emphasizes the manipulation, emotional blackmail, and financial abuse OP is facing

TheRoadkillRapunzel − NTA. He doesn’t get to have secret financial security set up in case you split up

while preventing you from doing the same.

He can either dump that 45K into the shared account and give you access to make sure that

doesn’t happen again, or he gets to realize that HE is the reason his baby is in day care.

SeLekhr − NTA. Frankly, this would be divorce worthy for me.

If I'm putting my all into this relationship, and you're hiding money like that,

knowing that you're demanding I be fully financially dependant on you, with no savings of my own,

WHILE HIDING MONEY FROM ME, I'm done.

Women are more likely to be left in poverty after divorces for EXACTLY this reason.

Men hide money, lie about income, demand their wives become dependant on them,

while leaving her nothing when that relationship goes sour. This is not a small thing. This is huge.

You are not the a__hole, but he certainly is and if he's lying about something like this???? What ELSE is he lying about??

These Redditors agree that hiding money and keeping financial secrets is a red flag, and it’s abusive

shammy_dammy − NTA. Yeah, there are some red flags here and you should definitely start looking out for yourself.

whitewer − Nta, he doesn't years lying to you and making you think he was making far less than he was,

while only contributing partially to the funds, while you state you were putting everything towards it.

This is an issue where therapy would be a good option, cause this is a very important issue to address,

why he felt it was acceptable to lie to you

Sophia_Loki − Having had payroll under me at different companies, it disturbs me

how many people insist on paper checks so their spouse can't see how much they bring home.

One company where we received large annual bonuses made the bonuses direct deposit only, no exception.

People lost their minds. Huge red flag, NTA.

This group supports OP’s decision to stand up for herself and demands fair treatment in the relationship

Full-Star-3631 − NTA you’re doing the right thing.

Auntie_Crow − NTA. His excuse doesn't pass the sniff test: it stinks to high heaven!

Cute-Shine-1701 − If he doesn't want the baby in daycare then he can stay home with the kid.

Especially because it's his trauma, so he can deal with it and can give his job up for.

NTA You go back to work and open an account he can't access and save money on it.

Discuss with a financial planner / lawyer what kind of account to (edit: open) so it's protected for you in a divorce or if postnup.

highoncatnipbrownies − NTA. Protect yourself. Get a new bank account at a different bank.

Get a PO Box and have your account mail sent there. Put a password on your phone.

Keep copies of your paperwork on the cloud and change your passwords.

1RainbowUnicorn − NTA, but you should be calling a divorce lawyer.

He embezzled 45k from your joint account. How can you EVER trust him again?

What or who has he been spending that money on? You are being financially abused and taken advantage of.

How do you know there are not other accounts out there?

Him crying should ne the LEAST of your worries right now. I'm sorry this is happening to you

WhatTheActualFck1 − NTA But he sure is. He could have f__king talked to you like an adult

and said I think it’s a good idea for both of us to have one separate account to put some funds into for fun stuff

we want or just to have as additional savings that the other can’t touch. That wouldn’t be a big deal.

My husband and I do this and have zero problems. The issue here is he lied about it all together.

Controlling the funds to give himself another nest egg while he happily spent your money away

and then has the audacity to tell you a $38 steak is too pricey? He can f__k off with that logic.

As long as you do your due diligence in the day care, it’s not a big deal.

No where is safe, not even at home because accidents happen everywhere.

He needs therapy to work through the trauma he went through for the loss of his brother.

One thing to add for possible consideration- would you be willing to consider remaining at home if he,

without a fuss, either puts the full 45k back in the joint account or gives you half to put in your own account he can’t touch?

But if he makes even a face at these very fair options- finding day care and job it is

In relationships, trust is everything. When one partner starts hiding financial details, it creates an irreparable crack in the foundation.

Should the wife forgive him and stay home, or is this a dealbreaker that can’t be fixed? While some sympathize with the husband’s emotional trauma, others see this as a case of financial abuse. What would you do if you were in her shoes? Share your thoughts below!

Leona Pham

Leona Pham

Hi, I'm Leona. I'm a writer for Daily Highlight and have had my work published in a variety of other media outlets. I'm also a New York-based author, and am always interested in new opportunities to share my work with the world. When I'm not writing, I enjoy spending time with my family and friends. Thanks for reading!

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