 and you need to pull all the money out of this joint account you'll have and open your own account yeah anything you can find that has your name on it you're one of the owners you have access to the money you're 19 legally you can walk up and just cash out the account just cash it out okay and take the cash to somewhere else and open it exclusively in your name and joe you let me tell you something else kind of cool yeah what college do you go to uh i go to st louis university