AITA for deciding to separate our finances just because my wife refused to buy a pair of earring for my daughter?

In a cozy suburban home, a father lounges on his rare day off, expecting a quiet afternoon. Instead, his 15-year-old daughter, Pen, storms in, her voice trembling with hurt: her stepmother bought her stepsister a necklace but refused her a pair of earrings, citing a minor rule break—staying up late on Netflix. The sting of favoritism cuts deep, reigniting old frustrations about his wife’s rigid parenting. His bold move to separate their finances sparks a family firestorm, with accusations of abuse and in-law meddling.

For ten years, this blended family has navigated love and money, but the wife’s strict “earn it” rule—punishing teens for small slip-ups—pushes the father to a breaking point. As he demands therapy and fairness, the clash raises a question: is splitting finances a justified stand for his daughter, or an overreach that threatens their marriage?

‘AITA for deciding to separate our finances just because my wife refused to buy a pair of earring for my daughter?’

My wife and I have 1 daughter from a previous marriage each, mine is called Pen (15F) and hers Amy (17F). We've been married for 10 years now, our finances are joint because we don't care for money, she makes 70-80K and I make 180K to 200K per year, she's in charge of our finances.

My wife has the weird fixation on having the kids ''earn'' their stuff, and while I agree, both of our daughters are well-behaved, good students and kind, I don't see why they have to earn every single thing daily, for example; if my daughter is working in the kitchen at night, and goes to sleep without putting her laptop away because she'll work again in the morning,

then my wife decides that she can't eat anything sweet that day, I've voiced, with better words that I find it stupid. Same thing goes for her daughter, she's prone to forget things easily and if she doesn't remember to put away this or that thing, my wife removes her phone or tablet.

Yesterday was my day off and I stay back home resting while my wife and our kids went out to buy my MIL's mother's day gift, around 5pm my daughter came to my room and said that my wife bought Amy a neckless and when she asked for a pair of earrings she loved, my wife refused because the night before she stayed up until late watching netflix when she knows she can't do it.

This isn't the first time my wife reuses to buy my daughter things and honestly, it boils my blood, my daughter is a really good kid, I work hard to make sure my family has every or most of the things they want just for my wife to tell them ''no'' because they are kids being kids, When my wife came into our room I was honest,

I said that her rule was utterly stupid and I was done putting it up with that, that I don't particularly like her buying one thing for a girl while the other had nothing and that until she accepts to attend therapy with me and fix this problem, our money will be taken care of separately and the join account will be for house and emergency matters only, this means she now has to pay half of the utilities and some other things.

She didn't like it because her money will be cut short and implied I was financially abusing her by doing this for a pair of earrings. She went to her parents and my FIL called me soon after, he said I was an AH and that it was my obligation to provide for my family.

ETA: I might have not explain myself, I'll still paying most of our joint expenses (like 6-70%), but before this, my wife kept almost all her money to herself and only put toward the emergency fund we set (still I put a bigger amount), she's not happy about us separating our finances because this means she has to contribute to the house now and she'll have less money for her daughter's college fund and her fun.

ETA 2: thanks for all of your replies and comments, I'll try to read all of them and will be answering some. I also want to thank you all for your advices, my wife still refuses to do therapy and as some of your said, this will my hill to die on. If she doesn't agree by next Wednesday, I'm sure we will divorce, someone also asked for our ages, I'm 36M and she's 45F.

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Navigating a blended family can feel like walking a tightrope, and the OP’s clash with his wife’s harsh parenting rules exposes a raw divide. Denying Pen earrings for a minor infraction like watching Netflix late, while buying Amy a necklace, smacks of favoritism, fueling resentment. The wife’s claim of financial abuse seems exaggerated, especially since the OP still covers 60-70% of joint expenses, but her resistance to therapy hints at deeper control issues.

This reflects a broader challenge: equitable parenting in stepfamilies. A 2023 Stepfamily Foundation study found 55% of blended families face conflicts over perceived favoritism, often tied to inconsistent discipline (source). Dr. Rachel Moore, a family therapist, notes, “Arbitrary punishments, like withholding gifts, can erode trust in stepparents, especially when unevenly applied” (source). Her insight validates the OP’s frustration with his wife’s approach.

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The wife’s rules—banning sweets or devices for forgetting tasks—seem less about discipline and more about power, risking emotional strain for both teens. Her financial setup, hoarding her income while the OP funds the household, adds unfairness. The OP’s push for separate finances aims to restore balance, though it’s sparked accusations of abuse from her and her father.

For solutions, couples therapy is essential to align parenting and financial goals. The OP could suggest joint rule-setting, ensuring consequences match infractions.

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Heres what people had to say to OP:

Reddit came in hot, dishing out support with a side of sass. Here’s what they had to say:

Booklady13 - NTA. Mainly because you offered couples therapy as a way to work on the problem. Also because your wife isn't disciplining your respective daughters, she is just being mean. Everybody in the world forgets things, even your wife. A gentle reminder is sufficient for that.

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Watching Netflix too late, yeah find me a teenager who doesn't. She is just picking on them. I did notice too that your stated you would still put enough in the joint account to cover the bills and household expenses, so no you are not financially abusing anybody. Keep trying for therapy, your kids need help.

[Reddit User] - I certainly hope you told your FIL to mind his business and to stay in his lane.. NTA and agree with you these are weird punishments. I also don't like the idea of weaponizing food.

shippehcat - NTA and I also think you especially need to pay attention ro your wife using food specifically as a reward/punishment.

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[Reddit User] - NTA. Your wife is abusive to your kids, full stop. The level of punishment she insists on for complete non-issues like not putting a laptop away are disturbing. Untangling your finances is the first step, but you need to continue making it clear you won’t stay in a marriage with someone who treats your kids this way.

NUT-me-SHELL - NTa. She’s worried about you financially abusing her (which isn’t the case, btw) but is totally okay with emotionally abusing the kids for minor infractions? The irony.

ObviousToe1636 - NTA. Your wife is manipulating facts in order to make herself look better. You could make the finances more “fair” in that she has to pay 25% of everything while you pay 75% to cover you and both girls. But I think the punishments need to start being doled out by you alone since she’s on a power trip and doesn’t understand how to treat other appropriately and with respect, including you and the kids.

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RandomlyDi - I guess your wife will have to earn that joint account. Honestly NTA, because your wife isn't really parenting (at least in my view). And you probably know that.

Lucidity74 - Your wife needs a parenting class for adolescents. She’s behaving immaturely and arbitrarily. Enforcing consequences means making the consequences directly linked to the offense. Ding the car, lose driving privileges. Stay up too late? Kiddo get to be tired the next day. Losing sugar? Gifts That her sister is getting? Your kids are going to blow up at her because she’s being unfair. NTA: and counseling is a good idea.

Ha1rBall - my FIL called me soon after, he said I was an AH and that it was my obligation to provide for my family. This is the most ridiculous thing I have ever heard. I would have told him to f**k off, and then hung up on him.

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FleeshaLoo - NTA. I wonder if your wife realizes that despite good intentions she is micromanaging the girls' every action? That level of control over every detail (going to bed w/out putting a laptop away?) can cause stress and anxiety because too many rules governing every behavior is a lot to manage, especially during the very confusing, often emotional, and stressful teen years.

They are kids, not robots. Reading this post I felt some of the anxiety of my own teen years in which it felt like I had so many rules to remember that I was often a nervous wreck worrying about which pen I may have misplaced in the mad dash to get my homework done before I left to babysit, or if I forgot to polish the silver that day.. edit: typos

From slamming the wife’s punitive tactics to cheering the OP’s stand, these comments pack a punch. But do they capture the nuance, or just fuel the family drama?

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This story weaves a complex tapestry of parenting, fairness, and financial control, with a father’s stand for his daughter threatening to unravel a marriage. The OP’s call for therapy and separate finances feels like a cry for equity, but is it too drastic? How would you navigate a partner’s unfair rules in a blended family? Share your thoughts—what’s the best way to balance love, loyalty, and fairness in this messy situation?

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