<prompt> Human: Hey PF, so next year my SO will be getting 120k tax free. We need to pay off a few things that will total about 40k and were not sure what to do with the rest that will gain high interest to allow us to save for a house. We do NOT want to put it in a savings account that we can easily withdraw transfer from but also we dont want it to be locked away where we cant touch it for a certain amount of time. Also we are not married and want it to be set up where we both need the others permission to touch it. Is there any type of account like that? Thanks for the help!  <response>: If I were your SO I would put it in a savings account in my name only. 