<prompt> Human: Hi PF,A tad of background first. I am 16, I got my first job in September of last year, and since then have been making about 120 a week and get paid bi-weekly. Ive been trying to save for a car ever since I got my job and used to keep my money in my bank account since my work pays in cheque like most employers. Before I got my job, my mother would ask for money as a loan about every 2-3 months, and when she asked I knew she was in a tight-spot financially and needed it, so I would loan it to her and she would pay it back within a month or so depending on how much I kept asking her about paying me back. No big deal at first, I didnt need the money immediately anyway. But when you have no source of income at that age, 1-200 is a lot and I started to hate my Mom doing this. When I got my job, I asked her if I could open up a bank account under her account so that I could access my money easier with a debit card. We went to the bank and set it up, awesome. Then about 6 months into me having my account, when she and my step-father were on a trip, I noticed 200 had gone missing from my account and that it had been transferred to another account. I didnt know at the time that she had access to my account and thought someone had stolen my identity and taken my money. I contacted the bank not even thinking that my Mother might have been the one that took it because I had no idea she could transfer funds from my account to hers without me having to authorize it. The bank informed me my account was not broken into, but instead my funds were transferred to the main account by the main account holder that very morning. Enraged, I called my Mom and she didnt pick up. I text her and asked her about it and dont get a response about it until 7 hours later with a single word.SorryI then go off on my Mom asking her where my money is and what she did with it and she says that her and my step-dad wanted to go tubing and didnt have enough money in their accounts to do so, of course she took a dip into the cookie jar without my permission whatsoever. I ask her when I can expect to see my money back in my account and she doesnt respond to the text, or other phone calls until they get back from their trip four days later. I am beyond angered at this point and go off on her and she thinks its no big deal at all and that I shouldnt be freaking out since shell pay it back. Flash forward three weeks, still no payment. She finally pays about a month after the incident with no sign of realization of wrongdoing on her part. She continues to do the money transfer routine about nine more separate times about a week apart of each other sometimes longer breaks between each loan until what Im writing this post about happens. With all nine of these other transfers, she never asked for permission once before transferring the money, and never expressed one ounce of feeling bad for giving herself my money Im working my ass off to make on a minimum-wage salary. As always, she would do these transfers whenever I had no physical access to her so that I couldnt ask her about it, usually when I was at work or she was. She would usually pay all these transfers back about a week or two after she transferred them and usually she would pay them back in lumps, paying back 2-3 loans at a time. Once again, if I hadnt hounded her about it everyday she probably wouldve dragged this out for months.But now, about 3 months ago the incident in question occurred. I loaned her 200 two times, and then 115 another time. These three transfers were about 2 weeks apart each. These three times, she asked for permission, but only about an hour after she took it out of my account, and if I had denied her permission, she would have most likely came up with a horrible excuse as to why she needed my money more than me even though its my money, and not put it back into my account. Once again, she did all these transfers while I was at work or while she was at work. Flash forward to now, and she wiped out all my online-statements via the settings in her account Nope, dont have any proof of this but I called the bank and they confirmed thats the only way to erase previous statements and that their is no way to retrieve them via mail or in-person unless I have the account holders password and keeps saying that well go to the bank together sometime and look at the statements together to see if Im telling the truth after me asking countless times to do so since she has stated that she wont pay me back anything until she knows for sure what she owes me. This should be a sign that shes a bad money-manager, she doesnt even know what she owes me. I however, always kept track of my money and knew where it went and would always keep notes in G-Keep of what she owed me each month. Since this happened I pulled all the remaining money out of my account and have all my checks sitting on my desk until I can be sure that this wont happen again. After trying to get my money back for a long time now, what do I do?I read on an AskReddit thread a few weeks back that you shouldnt loan more money to relatives than you can afford to lose. I think I just learned that the hard way.Anything I can do about it? I love my parents and think theyre great but I hate dealing with my Mom and money, I fucking hate it. Just to be clear as well, my step-dad is great and is not lazy at all. He has a pretty good job and is someone I look up to in money-management and life-skills. If youre wondering why he didnt pay for the tubing on their trip, they have 4 kids including myself and living gets expensive at that point, I understand this and is why I havent completely flipped shiz.I would also like to know if it would be possible to setup an account under my stepdads account. He knows that I have loaned my Mom money before and that she pays me back very slowly, but he thinks its just been 50-60 one to two times because I lied to him about it to keep my Mom in the clear, yeah, fuck me. He has a separate last name than me and Im not sure if he can have me sign-on to his account because of this, is it possible?tl;dr: My Mom screwed me out of 515 and has been trying to screw me out of my money for a while now.Assistant: Since youre a minor, just keep it hidden. I dont see how you can have another account under your stepdads name without your mom pressuring him for money. Plus, if hes not one of your legal guardians, then he cant. Hide it!Think of the 515 as a fee for a lesson learned and maybe as a way that you helped your family.Human: Well, my thinking with having it under my step-dads name is that since he doesnt know the full extent of her taking money from me, she wont be inclined to ask him for access to my account since that would make him suspicious. Basically she would be too ashamed to let on that shes been borrowing money from me this whole time and that she has a money-management problem. Hell, my step-dad is so keen about it just by the person that she is scattered, horrible planner, blames other people and cant take the heat when its dished out but expects other people to endure much more when they fuck up that he still has his account separate without having any conversations about her finances with her about it to my knowledge.  <response>: Are you close to him? Time to go to him and say, hey has mom ever mentioned paying me back the 500 she borrowed? Its a bitchy move for sure, and she will definitely be pissed at you. But you dont really owe her anything at this point. Maybe stepdad can put some pressure on her to pay it back. 