I understand the sadness in realizing your loved one no longer has the capacity to manage your financial matters, especially if he has been the one to do so all along. Last year I was advised to get my husband's permission in writing for me to manage his IRA which is in his name. Our financial planner came over and suggested to him that this was a good idea and he agreed. Now it is I who does all the financial chores including paying bills, making the necessary purchases and gathering the materials for the tax returns. also house maintenance and repairs, same for our cars. He does not drive now and can no longer use his phone or the internet so I don't have any issue with him spending money. Recently his driver license expired and I did not renew it. He can use his passport for any ID requirements though other than new doctor's appointments, I can't think of when we would need an ID. Last night for the first time in a very long time I was near tears. I just felt completely spent and fantasized about a fun getaway just me, no responsibilities, maybe get drunk and sleep for days. Just thinking about it made me feel better!