Take the money you have and keep it at mom & dad's. Then it is truly safe and available in the future if you need it. This is safety net money and I'm not sure if H can be fully trusted at the moment (I know, stupid statement) to not take it out of spite.
Don't defend yourself. It won't work, no matter how logical you are. Their brain in operating on illogical wave lengths and nothing will get through, so stop wasting your breath. No, my plan is xyz. That is all the information he needs. When and why you made those plans doesn't need to be explained in further detail.
Hang tough, it only took my DH 14 months to come around.
