<prompt> Human: Hey guys so I just recently turned 18 and have been thinking of opening an account so I dont have to hold all my paychecks in my drawer. I told my mom about this and then she said she wants me to open a joint account with her reasoning being that she want access to my money if I something bad happens to me or vice versa. My mom has a bunch of student loan debt and possibly credit card debt and ive read some horrible stories of creditors wiping out accounts and I guess im just worried about that. I mean I trust her with having access to my money but its got me a bit paranoid thats all. Is there any options for us besides the join bank account route?Assistant: Alright Ive decided that Im gonna go solo on this one and open my own account. Thanks PF!!!  <response>: Hell yeah! Youre an adult buddy! My initial thought within 2 seconds of reading you post was so, do it anyway...youre 18 so Im glad you decided to stand up! You can still respect your mom but have independence, and now you have an opportunity to prove that you dont need her to help manage your money either. Welcome to the good life :-Next step: college, move out, big boygirl job...then start the receeding hairline and realize you wish you lived with your parents again cause you hate adulting :-Seriously though, good job. I dont know ya but Im proud of ya! 