<prompt> Human: A few years ago, my aunt passed and left my siblings and I around 100k each for our schooling. Some of the money was put into a Money Market account, but most of it was invested in a 594 Collegebound account. About two to three years ago, my mom lost her job, and she began withdrawing money from our accounts to fund a druggambling habit. At this point, all of the money in all of our accounts is completely gone. It ran out around August of this past year. Since none of the money was used for schooling, obviously, its going to be taxed. Im seventeen, but I just moved out this past week to get away from the crazy, and I just started a job. The money she took out was taken out in my name. I got my 1099-Q, and my social is listed under the recipient of the money withdrawn in the past year. Im afraid the IRS is going to come after me for this. My friends mom a banker, who Im living with told me that Im going to have to file these withdrawals as income, since it was in my name, even though I didnt spend any of it. I have no way to pay for this. The money in that account was my backup money, and, as I said, its gone. I dont know if she transferred the checks to herself and deposited them directly into her checking account, thus leaving proof of where the money went. She may have just taken it to a check cashing place and then put the cash into her account. I honestly dont know. I feel like I need to speak to an accountant andor a tax attorney, but I wont be getting my first paycheck for three weeks, and half of my wardrobe was lost in the move, so I have other expenses to worry about. I apologize if Im not including enough information. I dont have access to the account online, but I know my moms socialDOB and Im going to try to call the company Monday to see what information I can get. I dont know very much about how all of this works, either, so I do hope Im making sense. Will I have to file taxes this year for this income, or can I wait until next year since my job just began? My fifteen year old sister got a job last summer, and shell be filing this year, will any of this come down on her right now? What should I do from here? I just finished high school in January, and I really need to focus on saving for school, since I have no backup money. Any helpadvice would be incredibly appreciated. As I said, I dont know a whole lot about all of this. EDIT: I do mean a 529 account. Sorry about that!  <response>: I guess you mean a 529 account.Yes, as others have said, you should file a police report. This is difficult with regard to ones parents, but it is the right choice here.You are presumably the account beneficiary, so you should not need your mothers information. You have access to it, and should be able to get a full record of withdrawals. Try to get her name OFF the account. Im not sure what the rules are here.The IRS is going to want you to pay taxes on it. You may have a chance of not having to pay taxes on it, but only if youve filed a police report and reported the crime. So your choice is very stark:1 file police report, avoid the taxes, get your mother in trouble that she earned2 dont file police report, try to come up with many thousands of dollars to pay the taxes or else the government is coming after YOUYou should also, separately, contact the credit bureaus and put a fraud alert on your file:This says, basically I suspect someone may try to impersonate me and open up credit in my name. You should also inspect your report to make sure you dont have a bunch of maxed out credit cards under your name. People will do anything to feed a drug habit. 