<prompt> Human: Hi,So, my father took charge of my money when I was 13 years old and he opened me a mutual fund account. His idea was that he would teach me to save. And, then I would be able to have a good chunk of money upon leaving college. But, now, Im 23, and I DO have a good chunk of money... that he has knowledge of. Dont get me wrong, I have a good relationship with my dad, but theres something off about having his hands in my money. My mom is also on my bank accounts, which I also think is strange.Now, I could very easily go and get new checking accounts and new mutual funds... but, how do I talk to them about wanting money to be with somebody outside of the family? Their philosophy is that, if theres nothing to hide, why worry? And, Im like... thats not the point. I like my privacy. Thoughts? Am I even in the right sub?  <response>: Dad, I want to take the next steps toward financial independence. How do I set up my own bank accounts? 