One of my biggest pet peeves with my SO is his utter reliance on his parents. He's 23, the middle of three boys. All three boys are still on their parents bank account. They have their own login and such, but their parents still see and control everything.

My SO doesn't have a job yet (recent college grad) and if we go to a movie and he pays with his card his mom will literally text him the next day wondering why he just spent $30 somewhere, even if I pay my SO back in cash two seconds after he pays.

My SO and his older brother see no problem being connected to their parents account but I just see it as so immature and I've told my SO that.

I separated my account from my parents at 18. I opened my first credit card at the same time. I think it leads to a sense of independence and maturity. I 200% attribute my financial success to the fact that I'm financially independent and make my own decisions and can own up to my own mistakes (if I made them 😝 finances wise).

So when did I out separate from your parents bank account? And if it was later, why did you stay on your parents account??

(I'm reposting this, as I want to clarify what "on your parents bank account"? All children with any form of their own savings/checking/debit card are under their parents bank account, there are exceptions. Most banks do not allow minors to have their own separate account unless they are an emancipated minor or have a guardians signature. Kids have a separate login to their own information that their parents can see. Kids cannot see their parents bank info. Most of my friends had accounts under their parents that they legally and financially separated from when they turned 18 or when they graduated college.)