Dad uses his baby daughter's college fund to buy a boat, wife finds out and accuses him of being selfish, he refuses to admit to his mistake: ‘He drained her fund to make the down payment’

Author image for Bar Mor Hazut
Bar Mor Hazut • Senior Editor
Sep 29, 2025 3:00 PM EDT

When couples decide they want to start a family, those who understand just how expensive children really are start their preparation much in advance. Not only should a couple ensure they have enough money to pay for their baby's diapers or crib, but they also have to think far ahead into the future, and plan how they will pay for their kids' weddings or college education. 

That is what leads many young couples to start saving before they even start trying for a baby. This way, when their children turn 18, they are handed a decent fund to help with the expenses adult life may bring along. Even if it's not much, it can still be significant for a young adult. 

That was the thought process of the couple in the story below when they started setting money aside for their daughter's college fund. Even though she is only two years old, they know this money will pile up to create a great fund for her in the future. 

At least, it should have, before her dad decided to spend it all on a speedboat. When his wife found out, she confronted him for his reckless actions.

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  • 01
    "He accused me of not wanting him to have any hobbies outside of being a dad"
    via SimonSkafar

    Image is representative only and does not depict the actual subjects of the story.

  • 02

    AIO for telling my husband I'm upset he used our baby's college fund to buy a boat?

    My husband "Mark" and I have a 2-year- old daughter. Since she was born, we've been putting money every month into a dedicated college savings account for her.
    via toxijozehoguzu2065
  • 03
    It's something we both agreed was a huge priority, and we've built up a decent amount.
    via toxijozehoguzu2065
  • 04
    It's not enough for a full four years, but it was a great start. This past weekend, Mark surprised me, but not in a good way.
    via toxijozehoguzu2065
  • 05
    He took me to the marina and showed me a brand new speedboat. He was so excited, saying he got a "ki er deal" and that it was his dream.
    via toxijozehoguzu2065
  • 06
    I was confused until he admitted he'd drained our daughter's entire college fund to make the down payment and cover the first year's storage fees.
    via toxijozehoguzu2065
  • 07
    was absolutely furious. I told him he was selfish and that he stole from our child's future.
    via toxijozehoguzu2065
  • 08
    He's completely defensive, saying that we can "build the fund back up" and that I'm overreacting.
    via toxijozehoguzu2065
  • 09
    He says I'm not being supportive of his happiness and that "life is for living," and we should enjoy our money now.
    via toxijozehoguzu2065
  • 10
    He accused me of not wanting him to have any hobbies or joy outside of being a dad.
    via toxijozehoguzu2065
  • 11
    I haven't been able to look at him since. I feel so betrayed, not just for me, but for our daughter.
    via toxijozehoguzu2065
  • 12
    He thinks I'm being a controlling and miserable wife for not sharing his excitement. Am I overreacting for being this angry and for telling him he has to sell it immediately?
    via toxijozehoguzu2065
  • 13
    2 Year Old Girl
    via Kangah

    Image is representative only and does not depict the actual subjects of the story.

  • 14
    Bright Athlete_8579 I'd be getting a divorce.
    via Bright_Athlete_8579
  • 15
    TheHobbyWaitress Does he think you're going to relax with a 2yo on a speed boat? I wonder if that even cross his mind.
    via TheHobbyWaitress
  • 16
    LofiGhost1 You are not overreacting he didn't just buy a boat he gambled with your child's future and thats not "living life" thats reckless.
    via LofiGhost1
  • 17
    Cursd818 You are underreacting. Tell him to replace every penny of your contributions that he stole, at once. Secure your finances so that he can't access them in ANY way. And then, ask yourself if you want to be married to a man who will steal from you and your daughter to fund his rash purchases. Your financial future is currently tied to this awful man, and he's just made it very clear that he can and will risk your finances whenever he wants. Your daughter and you deserve better.
    via Cursd818
  • 18
    Fluffy-Resident8420 NOR- He knew it was wrong or he wouldn't have "surprised" you. He committed financial infidelity. You can not be in a good relationship with someone you can't trust.
    via Fluffy-Resident8420
  • 19
    Fast-Secretary5520 You're not overreacting... your husband made a selfish, unilateral decision that jeopardizes your child's future. Wanting him to sell the boat and rebuild the fund is completely reasonable. This isn't about hobbies... it's about trust, priorities, and parenting.
    via Fast-Secretary5520
  • 20
    DryStatistician7055 Please tell me this is fake.
    via DryStatistician7055
  • 21
    Inner_Astronaut6662 You are not exaggerating, do not collect anything with him again, do not help him withdraw the money either, he is irresponsible, if he wants to have hobbies he should do it exclusively with his money, without compromising the family budget or the future of your daughter.
    via Inner_Astronaut6662
  • 22
    MimbleWimble1 He cheated on you financially. You have every right to be upset.
    via MimbleWimble1

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relationship advice marriage baby drama college fund wife relationship-drama relationships aio husband advice couples love Reddit boat married money dating
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