Hi,
I feel that as some of the others have said that there are other things going on 'behind the scenes' and it is not necessarily you.
I would firstly approach your step-mother - she is approachable ?from what you said?
I also get the feeling that if he is usually meticulous person he may be having some degenerative disease such as pre-senile dementia or Parkinson's and maybe they don't want to tell the family? Maybe not ?
But I think if your wish is to continue the reconciliation you should consult with her first.
I hope this is ok?
Good Luck - hope you ride out the finances- I have been there too.
Diamond xx
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