<prompt> Human: So I just turned 21 and am in college. I have a checking and savings account, but it is still under my moms login information. Basically, I log in with my moms information and our bank accounts are connected. I am insisting that I want my own account but she keeps saying that it will cost more in fees, and that I have my own account already. It really doesnt feel like my own account because she comments on every single purchase I make, so I only pay in cash. Basically if I spend ANYTHING shell make a comment about how I am wasting my money even though it is money I work for and I never really buy anything. So what should I do?  <response>: Open your own account at a different bank. Electronically transfer most of the money in your shared account into your private account. 