I'm glad you and your mom are able to talk about things like that. I'll be honest - I was a financial mess until maybe two years ago. I was ALWAYS close to zero in my account. But now that I have a good job, it's much better. Money stinks, lol! There are times when I wish I didn't have to grow up and take responsiblity for things, but what can you do? You should be very proud of yourself. Most people your age do not have such a level head so early