<prompt> Human: For some background, I am almost certain I am gay. My brother and I agree that my dad will most likely not take it well. Its very possible I could get disowned, so Id like to start preparing for that now a little bit at a time before I tell him. For starters, I am lucky enough to be graduating college this semester with an awesome job 4 hours from where I grew up. I am an avid reader of financial independence, so this isnt asking for budgeting help. My dad has a credit card out in my name to help me build credit. My mom co signed on the bank account I have complete control over. Ive been working since 13 so I have a good amount of money saved up that I would like to keep. My bank statements are sent to my parents house. That is with bank of America because their mortgage is with them. Im very wary of both parents having a heavy hand on my finances at 22 knowing how poorly they could react when I tell them. I am on my parents health, dental, and auto insurance. I dont currently own a car, but they plan on buying me one after I graduate college. Im torn here because I dont want a financial gift from them if they were to disown me. I do plan on going on my companies health and dental as soon as I start work in August. Im sure they have plenty of papers that would be important to me. Health, birth, financial, etc. I cant think of anything specific because I havent needed too much of it, so Im hoping for a bit if help here on what to request from them over the next few months to prepare. In short: What steps should I make to take sole control of my finances and credit? What kinds of documents should I make sure I have while preparing for the worst? Would you take a car from people knowing you might be ostracized shortly afterwards? If theres anything that you maybe think Im missing go ahead and point it out. I need all the information I can get.Edit: Thank you everyone! Tomorrow Ill be opening a new bank account. I talked to my mom about taking control of my finances and that was... Awkward but effective. As many of you have said, I plan on waiting until I settle in to my new job before telling them. When the car situation happens Ill play it by ear, but try to get it in only my name.Assistant: Its easy to request original copies of your SS and birth certificate. Do it now.Open up a new bank account in just your name. Start moving your money to it. Then try to close the old joint ones. If the bank says your parents have to come in and close it with you, maybe just leave it.Put a hold on your credit accounts if you can, so no one else can access it or get info from it.Maybe get a PO box and slowly transfer all mail, loans, school records, to the PO box as your new mailing address.Human: What information is required to freezeunfreeze credit? My parents most definitely have my SSN and birth certificate at home, so Im wondering how easy it would be for them to meddle. I dont expect them to. Im just preparing for the most nuclear outcome of this whole situation.Assistant: Would they notice if you took your papers? Maybe figure out where theyre kept and get them the day before you tell your parents Human: I think they wouldnt, but they know my DOB, my dad definitely has my SSN somewhere in digital form, and I definitely cant wrangle up all my healthfinancial forms. Most of the recent stuff is in my childhood room, but Im sure theres some elsewhere. A lot of information is in a locked chest in the house which I dont have access to the key.Assistant: Im not sure what your concern is. You are graduating, you need those documents; for employment for instance. Even if you didnt just ask for them, say you are an adult. Can you just move your bank funds into a new bank account? Do that. I assume you have checkbook. Open a new account at another bank, write a check to yourself from your existing account and deposit it inti your new account. Not that difficult. Tell your mom chase or whatever gave you a cash bonus for sign up and its time you had a new bank anyways. Easy peasy. Human: My concern is this:Sure I could get all of the documents that I need. But they would still have information about me, possibly enough to access my finances. My parents thankfully paid for my education. I dont expect this to happen, but if I were to be disowned I could see him trying to recoup the money spent on my education.  <response>: If you move your finances to a new bank, then it would be illegal for them to access. Banks are not allowed to give access to family members or even confirm you bank with them. If they try to do anything sketchy, file charges against them. 