During this time, the boy turned 18, and since his parents were on a cruise, he had a plan brewing in his mind. He immediately walked over to the bank to investigate. The Original Poster (OP)’s parents persuaded him and his sister to set up joint bank accounts with their mom’s name tied as the secondary account holder. The decision was immediately made when OP’s grandparents’ will was declared. According to the will, OP’s parents were to receive nothing more than a piece of land. Meanwhile, OP and his sister were set up with annuities paying monthly interest to both of them. Since the siblings were too young to understand money handling, they had no idea their mom could access their accounts. As time ticked by, OP suspected something was sketchy about his parents’ lavish lifestyle, considering how they constantly claimed to being poor. Something about their sudden riches didn’t add up to OP. While the parents lived in luxury, they made sure their children got nothing more than $50 Walmart gift cards each year. They never allowed OP and his sister to leave the house ever since the accounts were set up. It didn’t surprise OP when his parents gave them the liberty only to pay the taxes on the interest. But nothing more was allowed. This continued until the parents seized their children’s debit cards, claiming they’d have to “manage themselves” since money was too tight.