I have an idea.

Get a joint account at our bank back in Utah. We currently live in Oregon. We would only have access to cash through ATM's. There are some free ATM's here.

Do NOT get me an ATM card - if they send one, don't even activate it, just shred it.

He can still make me take care of the bills, paying the power bill, rent, all that crap. But he would have to be the only one to go get cash. And I WILL force him to read the damn bank statement to make sure I'm not writing checks I shouldn't write. Maybe even tell him to log on and check it online weekly, not just monthly.

But since it's a joint account, I have full legal rights to it in the event of any catastrophe - accident, death, whatever.

(I do already have power of attorney in his will, but that can take forever to take effect)

Is that a good idea?

What am I missing?