My Mom Withheld My Kids’ New Year’s Gifts After I Questioned Her House Bills—Then a Blue Bank Folder Exposed Her $48,612 “Emergency” Reserve

Reserve deposits.

“Can we say she used me to build savings?”

“Not as a blanket statement.”

“What can we say?”

“That your money paid expenses during periods when she retained liquid savings.

We can say transfers also moved into the reserve.

We can say the timing overlaps repeatedly.”

“And intention?”