The financial reins of the household were firmly in Zhang Xiaoya's hands, while Huang Lixin, the head of the family, might have known about the savings, but how the money was spent was all arranged by Zhang Xiaoya.
Even if he needed money, even if there were social obligations with Huang family relatives, or some of Huang Lixin's own dealings, if Zhang Xiaoya said no, he wouldn't take out any money.
To save face, Huang Lixin had no choice but to dip into his private stash, and any unmentionable expenses were also paid with his personal funds.
He was actually quite eager to see the expression on Zhang Xiaoya's face when she found out that the ever-obedient Huang Lixin had a significant amount of private money.
But on second thought, if she learned about it from her, Zhang Xiaoya wouldn't be grateful at all; instead, she'd only consider how long Huang Jing knew about it and how much she had gained from Huang Lixin.