Okay im just going to say this now so everyone will get this. I have my OWN bank account that no one has access too accept me. I opened it when i was like 16 and got my first job. I saved the $4000 in a separate account that was in my moms name before i was 16, which i got just from mowing lawns and stuff. So Everyone stop saying "Well your dumb, that's your fault for letting your mom have access to your account". Also im not going to get into details, but it wasn't really my sisters fault, so i don't blame her. My sister and my mom have helped me out with a lot of things too.