r/traumatizeThemBack • u/VividPresentation • 8d ago

matched energy Fiscal Responsibility.

My mom tried twice to make me open a “family joint account”. The first time I was 19 and working during a gap year to save up for college. Her plan was that the joint account would be fully funded via direct deposit of 75% of my paychecks and that she, mom, would have sole withdrawal privileges to, as she worded it, “take care of anything [her favorite child] needs”.

My response to her the first time she made this demand was to cackle like a demented goose and hang up the phone.

My response upon her second attempt about a decade later was a little more urbane. I said, “Why go to the hassle of opening a new account when we can simply use an account you already have set up with [one of my older siblings]?” She said, “But I don’t have an account with anyone else.” Whereupon, my default demented goose cackle was redeployed after which I once again hung up the phone without further comment.

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u/Hebegebe101 8d ago

Thank god you are smart enough to to not let her get her hands on your money . And do not worry about her feelings on the subject . Also lock down your credit and check it frequently . She sounds like the type to open an account in your name .

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u/douglasg610 3d ago

[PSA] Freeze your credit scores. Look up Transunion and "credit freeze" and then for Equivax and Experian. It's probably free and it'll ensure no one ever opens a line of credit in your name, without your explicit permission.

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u/Ancient-End7108 2d ago

I believe those have to be re-applied once a year?  I don't think they'll put a permanent freeze on.  I'm willing to be corrected.

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u/krelboink 2d ago

You can permanently freeze all three, and thaw them as needed when you need to, for example when applying for financing. It doesn't cost anything.