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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to refuse my 18-year-old access to his savings?

288 replies

TheSereneBird · 08/09/2026 07:00

My son has just turned 18. To say he has been a nightmare for the last 3 years is an understatement. He failed all his GCSEs. Only ended up sitting 3 of them but failed. I recalled the papers and he had barely written anything. I helped him find an apprenticeship. He’s done that for a year but it’s been very rocky. He’s now been fired with just a few months to go for consistently not turning up.
I’ve pleaded with him to save his job and I k who he does want to save it but won’t face up to it. He’s been in trouble with the police twice for cannabis possession. He was in front of the magistrates just before he turned 18 and they gave him a stern warning that if he is caught again he will be in an adult court.
he has moved out - he’s done this before sleeping on a friends floor.

He has a savings account that we have kept for him since he was a baby with 10a of thousands in it - money from grandparents as well over the years. He knows about it and as he is now 18 he knows that he can have the money transferred to him legally and there is nothing we can do about it. I don’t want him to touch it. It was meant to be for a deposit for his first home to help him on his way. He will waste it on rent and probably drugs.

he is seeing a therapist and I know he wants the help. He has a severe adhd so everything seems such a struggle for him and even sticking to his appointments is a nightmare. It costs is £200 a session but I’d pay the world to help him. I just don’t know how to help him. He won’t listen and does as he pleases.

he is now jobless and sleeping on a friends floor. He has a good home and all the love and support he could want or need. He knows he is welcome back anytime. I’m so afraid he will try to access the money. AIBU to deny him it. I’ve told him we put in in a child account to benefit from the tax savings but it is not his until we give it to him. With no job I’m worried he will be desperate and do something stupid. AIBU? I feel so stressed out.

OP posts:
lincolnsosig · 08/09/2026 08:00

Imdunfer · 08/09/2026 07:57

Although this is clearly illegal and could get you charged with theft, I would probably do this (if it's possible) in the hope that he hasn't got the gumption to sort it out or anyone around him who will sort it out.

I suspect it's not possible now he has turned 18.

You're in a terrible bind, so sorry 😐

Edited

OP cannot do it. The money is not hers to transfer.

OldrNWisr · 08/09/2026 07:58

Are you in the uk? What is he currently doing for money if he’s lost his job? Because if he’s planning on claiming any benefits that are means tested, he won’t be able to. If he doesn’t declare the savings and claims anyway then he would be committing fraud.

I had this same discussion with my DH when our kids were born and I was never comfortable saving in their names for this very reason. I was overruled though and it has caused us problems.

Sadly I don’t think there is much you can do legally if he’s determined to get his hands on it. Life lessons all around. How much support are you currently providing for him and do you have any leverage with this to persuade him to transfer it into some kind of account that he can’t access as easily? If he insists on accessing the money regardless, then I would be cutting him off financially from that point onwards. If he’s determined to waste it all it would have to be the last penny he saw from me.

Imdunfer · 08/09/2026 07:57

thismummydrinksgin · 08/09/2026 07:13

If you manage it, transfer it to your name sharpish!

Although this is clearly illegal and could get you charged with theft, I would probably do this (if it's possible) in the hope that he hasn't got the gumption to sort it out or anyone around him who will sort it out.

I suspect it's not possible now he has turned 18.

You're in a terrible bind, so sorry 😐

disgracefullyyours · 08/09/2026 07:56

dreamingofgoodhair · 08/09/2026 07:52

But when you start saving for them when they are babies you don’t have any idea what they’re going to be like at 18 ?

But why take the gamble? Just to save money by not paying tax?

Bedroomdilemmas113 · 08/09/2026 07:56

dreamingofgoodhair · 08/09/2026 07:52

But when you start saving for them when they are babies you don’t have any idea what they’re going to be like at 18 ?

Agree but before they’re 18 you can remove the money. Depending where it is, you may lose interest for doing so, but you still control it.

He didn’t just start behaving like this at 17 years and 364 days old, they had plenty of time to resolve it while they still legally were able to.

U53rName · 08/09/2026 07:54

Bryna · 08/09/2026 07:51

It’s legally his, however I don’t know if you can lock it in a trust until he’s say 25.

I’d imagine that would have had to have been done before 18.

TheSereneBird · 08/09/2026 07:52

Bryna · 08/09/2026 07:51

It’s legally his, however I don’t know if you can lock it in a trust until he’s say 25.

I’ll look into this. I’ve mentioned to my DH.

OP posts:
dreamingofgoodhair · 08/09/2026 07:52

Bedroomdilemmas113 · 08/09/2026 07:30

This is what I thought - they’d come after him. You’ve really created such a mess unintentionally here.

I have a son who sounds scarily similar, and not one penny was saved for him in his name for this reason.

But when you start saving for them when they are babies you don’t have any idea what they’re going to be like at 18 ?

ThreadGuardDog · 08/09/2026 07:52

monymonymony · 08/09/2026 07:34

So, because he smokes weed and hasn’t done very well academically, he’s turned out differently from the child you imagined. And because of that, you now feel he isn’t the child you saved for and doesn’t deserve access to his savings account. Am I understanding you correctly?

Am I understanding you correctly?

No.

Bryna · 08/09/2026 07:51

It’s legally his, however I don’t know if you can lock it in a trust until he’s say 25.

OsfameronTanamoril · 08/09/2026 07:51

TheGoddessFrigg · 08/09/2026 07:46

Just to clarify- destroying the passport would be an offence. Transferring his money into your account could be construed as theft.
Some of the posters need to think about what they are suggesting. Unless you can get him assessed as not competent- and that's a very very high threshold- there's little you can do without his co-operation

Yes. But do you think the son will be organised enough to go to the police and file a complaint?

TheSereneBird · 08/09/2026 07:51

Lesson learnt and I’d give this advice to parents considering putting money in their child’s name as you never know. The savings on tax is perhaps not worth it.

i will just have to hold him off and hope that with his therapy and contained support he will turn things around for himself. I guess money aside it’s all just very stressful. I don’t care about the money not really, I just want him to be safe and live a good life and it’s so frustrating watching him self destruct.

OP posts:
boysmuminherts · 08/09/2026 07:50

TheSereneBird · 08/09/2026 07:09

It is in a child account that we manage but no I don’t think I can legally stop him transferring it to an adult account now which we can’t control. That’s what i am worried about.

Transfer it to an account in your own name.

disgracefullyyours · 08/09/2026 07:50

But we can’t willingly hand it over when we know with certainty he will waste it right now. We didn’t save our money for that

You don’t get to have a choice, if he does ask to get HIS money. YOUR money is in your accounts.

Chewbecca · 08/09/2026 07:50

It's legally his but I would definitely keep quiet about it and stall as much as possible in your situation, otherwise I fear it will be spunked away in no time.

I think this thread should be pinned and ready by all the posters saving 10s of thousands for their DC and are insistent their DC would never be irresponsible. You just don't know. It takes a long time for some young people to grow up. I do hope your situation gets better.

Snackpocket · 08/09/2026 07:49

Legally the money is his, but does he know which bank it’s with and the account details? If not I’d just not hand the details over, he won’t have any way to access the money then. And it’s not like he’s likely to be able to afford legal advice to make you give it to him!

OsfameronTanamoril · 08/09/2026 07:47

TheSereneBird · 08/09/2026 07:43

If he had a job and could afford to pay at least towards mortgage payments we would happily help him to buy a small place. That was the plan. But he doesn’t want to buy he says he doesn’t want to be tied down. Which I get and that is perfectly legitimate. But we can’t willingly hand it over when we know with certainty he will waste it right now. We didn’t save our money for that. In hindsight we shouldn’t have out it in his name but when they are 2 months one you don’t think about that!

Obviously you didn't realise he would turn out this way when he was 2 months old.

TheGoddessFrigg · 08/09/2026 07:46

Just to clarify- destroying the passport would be an offence. Transferring his money into your account could be construed as theft.
Some of the posters need to think about what they are suggesting. Unless you can get him assessed as not competent- and that's a very very high threshold- there's little you can do without his co-operation

disgracefullyyours · 08/09/2026 07:45

Awful advice on here to transfer someone else’s money to your own account. Appalling. Don’t withhold his passport either, I can’t see that ending well.

You don’t want him to touch it - and I appreciate why - but the time to have properly considered the possible ramifications of him spending that money in HIS bank account has long past. You’re too late in that respect.

TheSereneBird · 08/09/2026 07:43

bananaobama · 08/09/2026 07:39

I would stall as much as you can. Keep hold of the passport

encourage him to move back in

try and persuade him to use the money towards starting a career. Training course?

If he had a job and could afford to pay at least towards mortgage payments we would happily help him to buy a small place. That was the plan. But he doesn’t want to buy he says he doesn’t want to be tied down. Which I get and that is perfectly legitimate. But we can’t willingly hand it over when we know with certainty he will waste it right now. We didn’t save our money for that. In hindsight we shouldn’t have out it in his name but when they are 2 months one you don’t think about that!

OP posts:
TheSereneBird · 08/09/2026 07:40

monymonymony · 08/09/2026 07:34

So, because he smokes weed and hasn’t done very well academically, he’s turned out differently from the child you imagined. And because of that, you now feel he isn’t the child you saved for and doesn’t deserve access to his savings account. Am I understanding you correctly?

Not quite. That money was saved for his future. to help him on the property ladder or to make a good start in life. That money will always be his. It was never for him to waste on drugs or extortionate rent that will last him a few months and then what?

OP posts:
bananaobama · 08/09/2026 07:39

I would stall as much as you can. Keep hold of the passport

encourage him to move back in

try and persuade him to use the money towards starting a career. Training course?

OsfameronTanamoril · 08/09/2026 07:39

I would do everything I can to stop him getting the money.
I feel for you.

DrWatsonsWalklingStick · 08/09/2026 07:38

monymonymony · 08/09/2026 07:34

So, because he smokes weed and hasn’t done very well academically, he’s turned out differently from the child you imagined. And because of that, you now feel he isn’t the child you saved for and doesn’t deserve access to his savings account. Am I understanding you correctly?

Sheesh, some people in MN are insufferable!
The OP doesn't want a child who has gone off the rails wasting thousands of pounds on drugs. She wants advice on how to get him back on said rails so he can use his money wisely, to live a nice life.
She's hardly washed her hands of him.

monymonymony · 08/09/2026 07:34

So, because he smokes weed and hasn’t done very well academically, he’s turned out differently from the child you imagined. And because of that, you now feel he isn’t the child you saved for and doesn’t deserve access to his savings account. Am I understanding you correctly?