<prompt> Human: Its a mutual fund UTMA account in New York, the money is from a life insurance payout my mother left me 190,000, my dad wants to spend the money on his hobbies buying a fourth car. No idea what to do next.Assistant: You have not given us lots of information, but assuming that you have good reasons for gaining control of your own money, and assuming you are in the US, here are some steps.You are legally an adult, you dont need his permssion to open an account at a bank. Stop using the account your father controls. Open a new account at a different bank. Dont add anyone to it as co-owner. Dont tell him; dont get into an argument about it; dont respond to what he says.This does not allow you access to the original account, but it does let you succeed or fail on your own with the new account.Human: It is a mutual fund at a financial institution, I know I can open an account wherever, its whether or not I can get the money out of the account its currently in because he is the custodian  <response>: post should be renamed: dad is account custodian and wont let me take control of the funds or move it to my own account.Id go ahead and make my own account anyways and if you ever get the chance then move some money over even if its small amounts at a time. This sounds like mostly a personal family issue. Maybe youll catch him on a good day and hell let you do it? or hell let you take a significant amount out? At least if you have something else already set up then you can act on it quickly. 