So I (19M) have a dual bank account with my mom (36F) that she set up for me when I was around 16.
this dual account allows for her to take money out at any time to spend on whatever she wants (usually groceries or other needed things).
The issue isn’t that she is using the money for these things my issue is with the idea that she can take my money whenever with little warning. She usually will text me telling me that she’s taking money, what she’s using it for, and when she’ll pay me back, but this can be at any time of the day no matter if I’m sleeping, working, or doing other tasks.
Whenever I confront her about how her borrowing money bothers me she throws it back at me with the usual “you act like I’m not going to pay you back” or “I pay for this stuff for you without even asking you to pay me back”. I try to explain to her most times that I mostly take issue with the lack of consideration that I may have plans for my money and it usually ends up with her arguing with me about it.
The thing is, the money in the bank account is 90% all mine.
It is the money I put together from working part time since I was 16 and I use it mostly to pay for my school fees and transport.
Should I just open a new bank account and transfer all my share away?
I don’t want to look like I am a bad person either.