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Even if immediate, you should be allowed to make decisions on your own. A Springing does not go into effect until a doctor/s sign off that person is incompetent to make his own decisions.
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Yes you can still make all decisions for yourself, and do not have to ask for permission to spend your own money. Your designated POA is only supposed to step in when you can no longer make decisions for yourself.
If your son is thinking otherwise he may need to speak to a lawyer to get clarification.
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No permission needed for a person of sound mind. POA is for a tIme when a person cannot make sound decisions for themselves. It’s then you rely on someone you’ve entrusted to act in your best interests
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A durable financial POA does not give away your rights. It *extends* them so someone else can act on your behalf, with authority as if they were you; but it does not remove your rights to do as you please (just as before the POA).

I am not a lawyer, but take it from one:

https://elderlawyersfl.com/video-faqs/if-i-give-someone-power-of-attorney-do-i-forfeit-my-own-rights-to-make-decisions/#:~:text=If%20you%20give%20somebody%20a,authority%20to%20have%20that%20control.

Or this one:

https://elrodfirm.com/ask-the-pros/rights-lose-signing-power-attorney/
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Here's how it went with my brother.
He was diagnosed with "probable early Lewy's Dementia".
He made me his POA and his Trustee of Trust because he knew he was beginning to fail and he feared he WOULD fail and that the hard won savings of a lifetime would be lost.
He asked me to give him a private spending account because he chose his ALF in So. California and I and my family live in No. California. He wanted to be able to buy clothing, take the bus to a movie, etc. Get his own toiletry's snacks and what have you. So we made an account for him, and then most of the regular accounts I managed everything.

One of you should do this because if two people are managing bills and payments and a checking account it can become a muddy muddle soon enough. Hard enough to do when you are married and managing money together, I think.

As long as you are competent under the law, and not diagnosed with a dementia in which the doctors write that you lack the ability to do your own executive functioning, you can do whatever you WANT, including choosing another attorney and another POA to act for you.

Can you tell us a bit about the current dilemma that has you bringing this question to the Forum?
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