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.

At 55, I Fell for a Man 15 Years Younger than Me, Only to Discover a Shocking Truth – Story of the Day

I came to the island searching for peace, a fresh start to heal from my past. Instead, I found HIM—charming, attentive, and everything I didn’t know I needed. But just when I started to believe in new beginnings, a single moment shattered it all.

Even though I’d spent decades there, my living room felt like a stranger’s space. At 55, I stared at the open suitcase, wondering how my life had come to this.

“How did we get here?” I asked the chipped “Forever & Always” cup in my hand before tossing it aside.

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

I ran my hand along the couch. “Goodbye to Sunday coffee and pizza fights.”

Memories buzzed in my mind, unwelcome guests I couldn’t evict. In the bedroom, the emptiness hit harder. The other side of the bed stared back at me like an accusation.

“Don’t look at me like that,” I muttered. “It wasn’t all my fault.”

Packing became a scavenger hunt for things that still mattered. The laptop sat on my desk like a beacon.

“At least you stuck around,” I said, patting it.

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

After two years of work, my novel was inside. It wasn’t finished, but it was mine—proof I wasn’t entirely lost.

Then, Lana’s email came:

“Creative retreat. Warm island. Fresh start. Wine.”

“Of course, wine,” I laughed.

Lana had always been good at making disasters sound appealing. The idea felt reckless, but wasn’t that the point?

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

I stared at the flight confirmation. My inner voice was relentless.

What if I hate it? Or if they hate me? What if I fall into the ocean and get eaten by sharks?

But then another thought crept in.

What if I enjoy it?

I exhaled and closed the suitcase. “Here’s to running away.”

I wasn’t running away. I was running toward something.

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

***

The island greeted me with a warm breeze and the rhythmic sound of ocean waves crashing against the shore. For a moment, I closed my eyes and inhaled deeply, letting the salty air fill my lungs.

This is exactly what I needed.

But the peace didn’t last. As I approached the retreat, the serenity of the island was replaced by loud music and bursts of laughter. People mostly in their 20s and 30s lounged on brightly colored beanbags, holding drinks that seemed more umbrella than liquid.

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

“Well, this isn’t exactly a monastery,” I muttered under my breath.

A group near the pool burst into laughter so loud it startled a bird from a nearby tree. I sighed.

Creative breakthroughs, huh, Lana?

Before I could retreat into the shadows, Lana appeared, her sunhat tilted at a jaunty angle and a margarita in hand.

“Thea!” she shouted, as though we hadn’t emailed just yesterday. “You made it!”

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

“Regretting it already,” I murmured but plastered on a smile.

“Oh, stop,” she said, waving a hand. “This is where the magic happens! Trust me, you’ll love it.”

“I was hoping for something… quieter,” I said, raising an eyebrow.

“Nonsense! You need to meet people and soak in the energy! Speaking of which,” she grabbed my arm, “I have someone you must meet.”

Before I could protest, she dragged me through the crowd. I felt like a frumpy mother at a high school party, trying not to trip over discarded flip-flops.

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

We stopped in front of a man who, I kid you not, looked like he belonged on the cover of GQ. Sun-kissed skin, a relaxed smile, and a white linen shirt unbuttoned just enough to be suggestive but not sleazy.

“Thea, meet Eric,” Lana said with excitement.

“It’s a pleasure to meet you, Thea,” he said, his voice as smooth as the ocean breeze.

“Likewise,” I said, hoping my nervousness didn’t show.

Lana beamed as if she’d just set up a royal engagement. “Eric’s a writer, too. He’s been dying to meet you since I told him about your novel.”

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

My cheeks flushed. “Oh, it’s not finished.”

“Doesn’t matter,” Eric said. “The fact that you’ve poured yourself into it for two years… that’s incredible! I’d love to hear about it.”

Lana smirked and backed away. “You two talk. I’ll find more margaritas!”

I glared after her. But in a few minutes, whether it was Eric’s undeniable charisma or the enchanting ocean breeze playing tricks on me, I found myself agreeing to a walk.

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

“Give me a moment,” I said, surprising even myself.

Back in my room, I rummaged through my suitcase and pulled out my most flattering sundress.

Why not? If I’m going to be dragged around, I might as well look good doing it.

When I stepped outside, Eric was waiting. “Ready?”

I nodded, trying to act casual, even as my stomach did an uncharacteristic flutter. “Lead the way.”

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

Eric showed me parts of the island that seemed untouched by the chaos of the “retreat.” A secluded beach with a swing hanging from a palm tree, a hidden trail leading to a cliff with a breathtaking view—places that weren’t in any guidebook.

“You’re good at this,” I said, laughing.

“Good at what?” he asked, sitting on the sand nearby.

“Making someone forget they’re wildly out of place.”

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

His smile widened. “Maybe you’re not as out of place as you think.”

As we talked, I laughed more than I had in months. He shared stories of his travels and love for literature, which matched mine. His admiration for my novel felt sincere, and when he joked about framing my autograph one day, I felt a warmth I hadn’t in a long time.

But beneath the laughter, something tugged at the edge of my thoughts. A faint unease I couldn’t explain. He seemed perfect, too perfect.

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

***

The next morning started on a high note. I stretched, my mind buzzing with ideas for the next chapter of my novel.

“Today’s the day,” I murmured, reaching for my laptop.

My fingers flew over the keyboard as I woke it up. But when the desktop appeared, my heart stopped. The folder where my novel had lived—two years of blood, sweat, and sleepless nights—was gone. I searched every corner of the hard drive, hoping I had misplaced it. Nothing.

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

“That’s odd,” I said to myself.

My laptop was there, but the most important part of my life’s work had disappeared without a trace.

“Okay, don’t freak out,” I whispered, clutching the edge of the desk. “You probably just misplaced it.”

But I knew I hadn’t. I bolted out of the room and headed straight to Lana. As I passed the hallway, muffled voices caught my attention. I froze, my heart pounding. Slowly, I moved toward the sound. The door to the next room was slightly ajar.

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

“We just need to pitch it to the right publisher?” he said.

My blood ran cold. Eric’s voice was unmistakable. Peeking through the gap, I saw Lana leaning in, her voice a low hum of conspiracy.

“Her manuscript is brilliant,” Lana said, her tone syrupy. “We’ll figure out how to position it as mine. She’ll never know what hit her.”

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

My stomach churned with anger and betrayal, but also something worse—disappointment. Eric, who’d made me laugh, listened to me, and who I’d started to trust, was part of that.

I turned away before they could see me and headed to my room. I slammed my suitcase shut, stuffing clothes into it haphazardly.

“This was supposed to be my fresh start,” I whispered bitterly.

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

My vision blurred, but I refused to cry. Crying was for someone who still believed in second chances, and I was done with that.

By the time I left the island, the bright sunshine felt like a cruel joke. I kept my gaze ahead, refusing to look back. I didn’t need to.

***

Months later, the bookstore was buzzing with excitement. Rows of seats were filled, and the air hummed with conversation. I stood at the podium, holding a copy of my novel, and tried to focus on the faces smiling back at me.

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

“Thank you all for being here tonight,” I said, my voice steady despite the swirl of emotions beneath the surface. “This book is the result of years of work and… a journey I never expected to take.”

The applause was warm, yet I felt an ache deep in my chest as I looked out over the crowd. The novel was my pride, yes, but the road to its success had been anything but smooth. The betrayal still lingered in my mind.

After the signing line dwindled and the last guest left, I sank into a chair at the corner of the store, exhausted. That’s when I saw it—a small folded note on the table.

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

“You owe me an autograph. Café around the corner when you’re free.”

The handwriting was unmistakable. My heart skipped a beat. Eric.

I stared at the note, my emotions a confusing mix of curiosity, irritation, and something else I wasn’t ready to name.

For a moment, I considered crumpling it up and walking away. But instead, I sighed, grabbed my coat, and headed for the café. I spotted him immediately.

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

“You’re bold, leaving me a note like that,” I said, sliding into the seat across from him.

“Bold or desperate?” he replied with a wry smile. “I wasn’t sure you’d come.”

“Neither was I,” I admitted.

“Thea, I need to explain. What happened on the island… At first, I didn’t realize Lana’s true motives. She convinced me it was all to help you. But the moment I discovered what she was really planning, I took the flash drive and sent it to you.”

I stayed silent.

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

“When Lana involved me, she said you were too modest to publish your novel yourself,” Eric continued. “She claimed you didn’t believe in your talent and needed someone to surprise you, to push it forward. I thought I was helping.”

“A surprise?” I shot back. “You mean taking my work behind my back?”

“That’s what I thought at first. The moment she told me the truth, I grabbed the flash drive and went to find you, but you were already gone.”

“So, what I overheard wasn’t what it seemed?”

“It wasn’t. Thea, I chose you the second I understood the truth.”

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

I let the silence settle, waiting for the familiar anger to surface. But it wasn’t there anymore. Lana’s manipulations were in the past, and the novel had been published on my terms.

“She always envied you, you know,” Eric said quietly, breaking the silence. “Even back in university, she felt overshadowed. This time, she saw an opportunity and used both our trust to try and take what wasn’t hers.”

“And now?”

“She’s gone. Disappeared from every circle I know. She couldn’t face the fallout after I refused to back her lies.”

“You made the right choice. That counts for something.”

“Does that mean you’ll give me another chance?”

For illustration purposes only | Source: Pexels

For illustration purposes only | Source: Pexels

“One date,” I said, holding up a finger. “Don’t mess it up.”

His grin widened. “Deal.”

As we left the café, I caught myself smiling. That one date turned into another and then another. Before I knew it, I fell in love. And that time, it wasn’t one-sided. What started with betrayal had blossomed into a relationship built on understanding, forgiveness, and, yes, love.

For illustration purposes only | Source: Midjourney

For illustration purposes only | Source: Midjourney

Tell us what you think about this story, and share it with your friends. It might inspire them and brighten their day.

If you enjoyed this story, read this one: I thought I was helping a sharp-tongued customer pick a gift for her son’s girlfriend. But our clash became deeply personal when she came to dinner as my BF’s mother. Read the full story here.

This piece is inspired by stories from the everyday lives of our readers and written by a professional writer. Any resemblance to actual names or locations is purely coincidental. All images are for illustration purposes only. Share your story with us; maybe it will change someone’s life.

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