<prompt> Human: Hi PF, Im a long time lurker. Here is the deal: Im 20 years old, have a part time job that allows me to eat, pay for gas, and save a couple hundred a month I live rent-free with my mom and she pays for my car health insurance plus 100 of my tuition Im like Smaug from the Hobbits and Ive been very careful with my funds since I was a kid; all my birthdaygraduationhigh school job money is in a CD, which is at about 25k roughly the problem is that the CD is maintained by my mom, whom Ive always trusted. When I was a kid, my dad wanted to use my money to invest in the stock market and she was adamant about saving it for me. After my dad left, shes been acting strangely about them my sister has a CD as well and sometimes threatening to keep the money for herself.My question is: can she do that? I have no idea if my name is on the CD or if Im just a beneficiary, but she had always promised that she would transfer the ownership to me when Im 18. Then she said shell do when I get married, and now its when I have a child. Im slightly worried about her mental health among other things, but Ive put it aside because she seems to be operating as normal -- working, paying the bills, etc. What do, PF?  <response>: can she do that? I have no idea if my name is on the CD or if Im just a beneficiary,Nobody knows, because you dont know. 