<prompt> Human: When I started college my mom was added to my bank account to add fundstake money out conveniently and at the time I was ok with this. I graduated 3 years ago and now have a decent job, no debt, solid savings, etc and I am comfortable where Im at financially. I have brought up the issue of removing my mom from my account in the past but it was a tense topic because my dad is very stubborn about having someone else on my account in case something were to happen to me. I was annoyed and complained but eventually caved and just left it as is.Not too long ago an argument about this topic presented itself, and I want to put this topic to bed for good. Basically my side is that I feel a bank account is something personal and only the primary owner should have control over. I trust both my parents 110 that they would never do anything deceiving with my money, but its just a comfort issue with me I guess.My dads argument is that if anything were to happen to me, they want to make sure ALL of the money goes to whoever is the joint owner. I brought up a beneficiary form and while he understands that is one way to do it, he says it would count as an inheritance for whoever went to collect and some money would be taxed from it. Also it wouldnt be instant access like if someone were a joint owner funeral costs,med bills, we. He also brings up that if I were not necessarily dead but say in a coma my accounts would be unreachable and medical assistance wouldnt be able to come from my account. I made my case with my dad and though he doesnt agree with me he respects my decision and will do as I please. So my questions to you fine folk, am I being unreasonable? Is my dad making valid arguments? Is there a way this can be approached where both parties can be 100 satisfied? Thanks for your time.  <response>: Open second account thats yours alone. Stop putting money into the shared account. Once the shared account goes to zero, the point should be made. Youre and adult now, and not living under their roof anymore, and probably never will be again. 