My Husband, The Man I Love, Is An Embezzler

When your spouse commits a crime, what do you do?

Woman looking suspiciously Vahe Aramyan | Getty Images / jacquesdurocher | Getty Images

My husband had collected antiques for years. He loved antique advertising signs the most. Antique advertising signs, especially porcelain ones from the 1930s to 1950s, were worth top dollar. A Coca-Cola porcelain advertising sign might sell for hundreds if not thousands of dollars, and he had over a hundred that he had nailed to the walls from floor to ceiling in his "man cave."

Packages suddenly started arriving at our house nearly every day, each containing gleaming antique porcelain signs advertising sodas, cigarettes, and motor oil.


I asked him over and over again, "Where is the money coming from for these? How on earth are you affording all of these?"

And he told me things like, "Oh, I sold some off" or "I won this in a raffle."

I felt it in my gut, that not-rightness. I froze. I waited.

We moved forward on refinancing our home. The lender asked that we provide copies of the statements of all of our credit cards.


I did, but then the lender came back and asked for the credit card statement of a card that was just in my husband’s name, a card I’d forgotten about because he’d gotten it years before to help him rebuild his credit.

"I need the statement for your credit card," I told him.

"That’s my credit card," he said.

"I know. They need it to finish refinancing our home."

"I don’t have time to bother with getting it. I have an actual job to do. Why are you always bothering me when I’m busy?"

"I didn’t know you were busy, and I’m trying to get this done by next week. Can you tell me where I can go online, so I can just get it to send to them?"


"Leave me alone!" he texted. "I’m busy!"

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Later, I chose a moment when he was obviously not busy. He was watching TV and playing on his phone, so I asked again.

"Can I get the credit card statement?"

"I’m relaxing. Why can’t you ever leave me alone?"

"Sorry!" I said and retreated to our bedroom.

He couldn’t hide forever, though. I knew something wasn’t right. I knew something was really really wrong.

When the credit card statement was finally in my hands, he had run up $5,000 in two months on his gleaming antique porcelain signs.

He had lied to my face like it was nothing — like he was just breathing. How many times had he lied to me now? Could I even know the number? Was it in the hundreds? The thousands? How many lies can kill a marriage? I thought, like how many licks does it take to get to the center of a lollipop, like there was a finite number.


I also noticed one strange credit/debit. His card was debited $19.51 from his place of employment but credited $1,951. It looked fishy.

"Are you stealing from your job?"

"No. It’s just a reimbursement. They just messed it up the first time." He got reimbursements from his job regularly, but something about this didn’t seem right.

I went to therapy. She suggested I look more deeply into the money and speak with a lawyer about what to do if he kept bleeding money.

She handed me a rip of paper from her yellow legal pad with a divorce attorney’s name and number on it. I didn’t think I would use it, but I put it in my jacket pocket anyway.

I went through all of our accounts and through every purchase he had made. I started to notice more things out of sorts, more strange credits and debits to and from his place of work, like -$26 and then +$2,600 the same day. And there were several of them. Strangely specific, always a much smaller amount debited, and a greater number credited.


I texted him, "You are going to have to explain some of these charges to and from your job to me. Frankly, they look illegal."

"It is exactly what you think it is," he told me.

"That you’re stealing money," I responded. I held my breath.

"Yes," he responded. "I did."

I set my phone down and realized my hand was shaking, my whole body was shaking. I walked to my desk where my jacket was hung on my chair. I removed the piece of yellow legal pad paper on which my therapist had written a divorce attorney’s name and number, and I called.

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I took the next day off from work to meet with the attorney.


The lawyer, a short white-haired man in his 60s, was deferential and kind, but also no BS.

He told me everything I already thought: I was liable for all of my husband’s financial decisions. It didn’t matter that he’d hid it from me. Didn’t matter that it was all on a credit card just in his name.

Our state considers marriage entirely joint. I was 50 percent responsible for his financial decisions, and if I didn’t file for divorce, who knows what might happen if my husband continued down this path. Who knows what else he might have been doing either.

"Is this someone you want to stay married to?" the lawyer told me.

"No," I said. "It’s not." The answer was clear to me. I had to file for divorce.


"What do you want to do?" he asked.

"I’ll file," I said.

"Are you sure? I’m not pushing you into anything. I just want you to have all of the facts. Do you want to wait to decide?"

"No. Let’s file. Let’s do it now."

"All right." He told an associate what to do, and I sat holding my own hands in my lap, trying to comfort myself. I’m filing for divorce. Filing for divorce.

Two days after my meeting with the attorney, three days after finding out, his mother offered to watch our twins, so we could have a break, and maybe get lunch together.

I didn’t want to. I didn’t want to spend any time with him really. I was worried that we would talk. I was also worried that we wouldn’t talk and how not talking could be worse.


At a local Mexican restaurant, we both sat silently. I kept shoveling chips in my mouth and trying to watch the television on the back wall. I tried to look everywhere but at his face.

On the way home, he asked me if he could have lunch with a friend.

"Why are you asking me?" I said.

"Well, I wanted to ask if it was okay if I spent the money on lunch. I think I should talk to him." It was hilarious that he was now asking me for permission to spend money. Where was asking me for permission before?

"Do you know what you could face if you get caught?" I asked.

"What do you mean?" he asked.

"Have you looked up what you could face if you get caught for embezzling?"


"What is it?" he asked.

"Two years in prison and/or a $5,000 fine for theft from $1,000 to $10,000, if you didn’t steal more."

He didn’t respond, and we didn’t say anything else. I looked out the window and wiped my eyes. There was something about talking to the husk that was once your husband, and I couldn’t stand to feel so broken. I didn’t say a word anymore.

When we got home, I focused on our beautiful perfect children. Little things I knew that they loved, like taking them for a walk after icy weeks and school snow days. We let them run around, and when they were fussing before their bedtime, I pulled out a bottle of bubbles and blew them for them. It was magical. They were so happy.


Our son clapped and laughed. My husband held our daughter in his arms, a smile frozen on her face. The husk of my husband walked past me and brushed my hand, and at that moment I was reminded that this was the man I loved, whose body I knew so completely, but I knew that was all gone, all away from me.

Later when I licked my lips, they tasted like bubbles.

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On Tuesday, I met with my lawyer to sign the official paperwork. I signed several pages, and he notarized them.

"What are the next steps?" I asked.

"Tomorrow the judge should get the paperwork around lunchtime. He should sign it and then we will get it to the process server."

"So he’ll be served tomorrow?"

"That’s likely unless you want him served later."

"That’s fine," I said.

On Wednesday, I was extra polite. I made him coffee. I wanted him to remember me as polite when the process server called him and said, "I have divorce papers to serve you. Where can I meet you?"

As I was getting ready, I looked down at my wedding band and engagement ring and realized I needed to take them off. Today was the last day I would need to wear them.


I picked both of these rings, the small and slender engagement ring with tiny diamonds on the band. Two of the little diamonds had fallen out, and we’d never bothered to have them replaced. My wedding band was simple white gold with flowers carved on it. I chose it because I felt it could weather the years because I got married with the intention of being married for a lifetime.

I never took them off for fear I would lose them as I was prone to losing everything. For years, I had washed clothes and dishes, formed hamburger patties, changed diapers, everything, with these rings on.

Today, with some coercing, I took them both off. There was an indentation on my finger where the rings once were. A physical representation of how long I had been married, how used to marriage I had become. Even my finger had grown differently to accommodate that outward symbol. And that’s when I started crying.

I had to get ready, so I blow-dried my hair and then got dressed while weeping. It wasn’t until after I was dressed that I realized I had put on a black dress and black shoes. I looked like a widow in mourning. And I thought, I am in mourning because I picked a marriage and rings that I thought would last forever, and forever is over.


This is taken from the memoir, The Beginning of the End, available for sale on Amazon.

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Tara Blair Ball is a certified relationship coach and podcast co-host for the show, Breaking Free from Narcissistic Abuse. She’s also the author of three books: Grateful in Love, A Couple’s Goals Journal, and Reclaim & Recover: Heal from Toxic Relationships.