<prompt> Human: Good old gram gram wants to force me to save 75 of my money, giving me a measly 100 bucks per paycheck to spend.I work 30 hours a week at 8.10 an hour, and Id prefer to manage what little money I already have on my own.I live in OH, btw.Help me, reddit!  <response>: Most states require you to be 18, so at 16 you will probably need a co-signer.Pick a person you trust and go from there.The thing with a joint account is both people have access to the account, so you always have access to your money, so your gram gram cant stop you from using it.However, her plan is not a bad idea. Most adults only get to spend 10-25 of their paychecks on their wants. The rest is spent on needs. Your needs are mostly covered by your parents. The worst spending habit kids learn is spending 100 of their income on wants.If I was you, Id follow your gram grams plan and save up for universitytrade school. 