It's a tough account to navigate, because our mortgage is tied to it.

I'm going to the bank today to see if I can have the mortgage payments and other automated payments redirected to my personal account.

The joint account requires us both to agree to changes though. It has $1000 overdraft limit which accumulates a crazy amount of interest.

I've paid it to zero twice, and it is dipped into again.

I may just have to try to redirect all payments to my personal account, and let that one bottom out the overdraft, then just continue to put in enough to pay the interest on it.

I see this as a form of baiting too.

It's just the audacity to take something out that is earmarked for our kid. And she knew when to expect the deposit.