I think you will outlive your mother and I think it will be hell for you inbetween (and perhaps after). Parents and their money is their problem, start working now to save what money you are making, open your own accounts and do what you can to prepare for your future. Your mother is up to no good or she would be more open and you would know what everyone's wishes are. It's hard to learn any "truth" second or third-hand as you're trying to do, listening on phones/in doorways, etc. Do what you can for yourself as it appears no one else is going to.