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Stepfather Files Loveless Divorce Yet Ponders Keeping Stepdaughter’s Secret College Fund For Himself

by Jeffrey Stone
December 3, 2025
in Social Issues

A stealthy stepparent, socking away cash for Diana’s college since age 10, watches $22,000 bloom with perks, until divorce dims the dream. Ex rages: that’s a full year’s tuition gone. No betrayal, just love’s quiet fade; Redditor claims zero ties, eyes the pot for self.

Reddit’s split between “fair game” nods and “step-up betrayal” gasps. The thread’s a fund-fumble firestorm.

A Redditor debates keeping a $22,000 college fund for his stepdaughter after divorcing her mother.

Stepfather Files Loveless Divorce Yet Ponders Keeping Stepdaughter's Secret College Fund For Himself
Not the actual photo.

'AITA for keeping money I had saved for my stepdaughter's education after my divorce?'

I have two kids from my first marriage and my stepdaughter, Diana, from my second. I married her mom when Diana was 10.

Even though she has a dad I started setting aside money for when she graduated.

It isn't much but with interest and the government contribution there is about $22,000.

I recently filed for divorce from her mom. Nothing exciting, no infidelity, no abuse. Just not in love any more. Either of us.

I can take the money I put into the RESP out without any tax problem. The government contribution gets returned and I pay taxes on the interest.

I have never mentioned the money to Diana. She still has two years before she graduates. Her mom and dad have money for her education.

I kind of feel be about keeping the money. My ex thinks I'm being an a__hole since that money would pay for more than a year of college..

I don't think I owe Diana anything. And I can use the money for myself.

Our Redditor – planner here built a college fund for stepdaughter Diana out of pure goodwill, only for the marriage to fizzle amicably. Now, with $22,000 on the line, the ex sees it as Diana’s lifeline. The Redditor views it as his own savings, no strings attached. It’s a classic tug-of-war between past promises and present realities.

From one angle, the Redditor’s stance shines bright: Diana has two biological parents with the means to fund her studies. Why shoulder the load forever? Motivations scream practicality. Divorce resets roles, and step-parenting isn’t a lifetime contract. Fair game.

Flip the script, though, and the ex’s frustration bubbles up like overboiled pasta. That fund was earmarked for Diana’s launchpad into adulthood. Pulling it feels like yanking the rug mid-dance, especially since the split was drama-free.

Opposing views highlight emotional bonds: the Redditor raised Diana from age 10, fostering a pseudo-parent vibe. Ditching the dough could signal “you never mattered,” stinging deeper than any spreadsheet.

Zoom out to the bigger picture. Family dynamics in blended households are a minefield. Step-parents often navigate murky waters of loyalty and legacy.

According to a 2023 Pew Research Center report on family structures, about 16% of U.S. kids live with a step-parent, and financial commitments like education funds frequently spark post-divorce disputes. These setups demand clear boundaries from day one to dodge resentment roulette.

Enter expert insight: Family law expert Laura W. Morgan, in a New York Times article on financial aid challenges for blended families, states, “Under no stretch of the imagination does a stepparent have the duty to support a stepchild who is over the age of majority and not living at home”.

Applied here, it underscores that the Redditor’s fund, while a generous gesture during the marriage, carries no legal strings post-divorce, especially with Diana nearing independence and her biological parents in the picture.

This clarity frees the Redditor from obligation, yet the emotional tangle persists: that $22,000 wasn’t mere digits; it was a vote of confidence in Diana’s bright tomorrow.

Withdrawing it might feel like a clean break, but it risks echoing as abandonment to a teen who’s already weathering family flux.

Neutral advice? Chat with a divorce attorney about swapping assets – trade the fund for equivalent retirement perks, as one commenter savvy-ly suggested.

Or, if guilt gnaws, split the difference: return the principal and let interest fund a smaller scholarship. Ultimately, weigh your bond with Diana against your needs. Solutions abound, pick one that lets everyone sleep sans what-ifs.

Check out how the community responded:

Some say keeping the fund makes OP the asshole for abandoning the child.

Redbronco07 − YTA. Especially with the "I wanted to help my stepdaughter, she no longer is that" BS line.

I have a step daughter, I'm no longer married to her father (for the last ten years), but she's STILL my daughter.

You don't just stop caring about people after a divorce. You're greedy AF and you want people to agree with you.

You never planned on using that money before the divorce, but now it's yours?

Electrical-Leopard-2 − YTA. This is not about the ex. This is about a child you have/HAD a relationship with.

After my step dad divorced my mom, he ghosted me. I was 20. An adult. And it broke my heart.

Even at that age I wondered why I wasn’t worth loving. Kids need adults that support them and care about their future and growth.

You’re a giant AH withdrawing that financial support, but you are going to be an even bigger AH for ghosting her.

And, for the record, my step dad missed out on a lot by ditching me. You will, too.

AnnieB512 − I don't know how you can walk away from a child you've raised and think she's not family anymore. This is why YTA, not the money.

Some insist OP has no legal or moral duty post-divorce.

BulbasaurRanch − Oh no your ex is upset that you’re not going to pay for her kids education?

Oh well, unimportant. Diana has two parents that can pay for her education. It’s not your responsibility at all.

I feel like the only person upset here is her mother, who is obviously biased. NTA

teresajs − NT A Your Ex is upset because it's going to cost her more money to help support her daughter through college. Too bad.

If your Ex wants the college account so badly, it may be possible to negotiate

that you get other assets from the marriage in exchange for your Ex getting the college account.

For instance, I would trade the college account for an equal amount in a tax advantaged retirement account in a heartbeat,

provided that such a thing is allowed. This is worth discussing with your Divorce Attorney.

Some question why the fund existed if no obligation felt.

Usual-Feature-1470 − Wait a minute. You consciously set money aside for a CHILD you now say you “don’t owe anything” to? Am I reading that right?

INFO: why set money aside for her in the first place if you feel you don’t owe her anything?

GaHistProf − Info: Depends on the sources of the funds and how you two treated money during the marriage.

If it was from income earned during the marriage and you two co-mingled your money together; then yeah YTA.

If assets were kept separate, or the money came from assets you had prior to the marriage, then NTA.

She may not be your daughter, but in the former scenario the issue that arises is that giving her the college funds aids the ex

and failing to give them denies her of access to marital assets that would have gone elsewhere.

Frankly, in that scenario, I wouldn’t be surprised if to see the lawyer argue if they hadn't gone into the fund they’d gone into the main marital account

so the ex is entitled to half either way (again assuming no prenup exist and the assets were earned during the marriage).

Some say the decision hinges on ongoing relationship with Diana.

Unlucky-Start1343 − That's not an Ah question but a relationship. Do you want Diana to succeed in life?

Do you love her? Do you have a good relationship? These questions should decide what happens with the money and you own financial situation. NTA

[Reddit User] − INFO: what’s your relationship with Diana like? If she’s not in your life anymore then it’s completely reasonable to keep the money.

But if you’re close that’s an AH move

thesweeterpeter − Are you maintaining any sort of relationship with Diana, any custody or anything?

I feel like this is an easy NTA, but you're here asking, so I'm curious as to why you feel conflicted here.

Some urge generosity if it won’t hurt OP’s own kids.

CheerilyTerrified − You wouldn't be an total a__hole if you didn't give it to her, but if it would make a difference to her,

and it wouldn't negatively affect your or your kids, I think you should.

Like maybe you don't technically owe her anything but you presumably started saving for her with good intentions for her.

Those haven't gone away just because you are divorcing her mom, especially when there hasn't been abuse or cheating or anything like that.

It seems slightly cold to just nope out of her life as if she never mattered to you.

This is a child you have known and presumably cared for more than six or seven years.

Doing a good deed for her, that will make her life better is just a nice, good decent thing to do.

WaywardPrincess1025 − NTA. Can you offer your ex to buy you out?

To give you what you would get if you returned the government portion and then Diana can use the account for college.

Financially it’d work out for both of you.

Some share personal step-parent experiences post-divorce.

Initial_Ad_857 − YTA. “I don’t think I owe Diana anything”??? You divorce spouses, not kids.

If you want to have no relationship with Diana then go ahead and keep the money.

My personal perspective: My parents got divorced when I was very young

and while I had a mom as Diana has a dad, my step mom was much more a part of my daily life.

My dad and step mom got married when I was 9. When they got divorced right before my step sister and I graduated high school it was tough.

But, I still have a close relationship with my step mom and my sister has a close relationship with my dad, her step dad.

Both of them contributed to our college educations.

It was never a question because we were the kids. Their bad divorce was not taken out on us.

I get that you’re not married to her mom anymore, but you were a large part of her life for many years it seems -

enough for you to want to contribute to her education when you became her step dad.

IMO - that title doesn’t just go away when you divorce her mom.

srdnss − YTA. Not because of the money but because of your total lack of regard for your step daughter.

In the end, this Redditor’s quiet fund became a divorce thunderclap, reminding us that good deeds don’t vanish with vows.

Do you think keeping the cash is a smart boundary or a chilly cutoff, given the years of step-parenting?

How would you juggle being a sibling’s keeper, or in this case, a step’s supporter, in such a mess? Share your hot takes with us!

Jeffrey Stone

Jeffrey Stone

Jeffrey Stone is a valuable freelance writer at DAILY HIGHLIGHT. As a senior entertainment and news writer, Jeffrey brings a wealth of expertise in the field, specifically focusing on the entertainment industry.

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