u/Content-Pea-3111

Hi, for context I am 20 live in Massachusetts and I have no job, so no income. I am attending a community college where I get aid grant refunds after or during a semester and it's all put into a bank account with BankMobile which makes it easy for both the school and me to have it sent there, and it is the only other 'income' i have. With research I found that grants or even refunds aren't counted as income for medicaid, and that refund money sits in the checking account unused unless its for specific school expenses, so it still shouldn't count.

My mom had received a renewal letter for me then just a few days later I got a letter in my name saying it was renewed. We were confused if I actually was or not so we called. They said that my 'income has changed' even though it has not. I have been getting aid refunds since 2024, and it's never affected my coverage so I know its not that. So what could it be? They said they would just 'send a mail on it' and offered no further information.

Editing to add: when we called we talked to two people. The first person just started us straight away to getting my renewal and never even mentioned anything about ineligibility anymore or income changes. Then of course when we're almost done, the phone dies. So we call back not even 5 minutes later and talk to someone knew. suddenly we're told I don't qualify bc of income changes, tho nothing has changed.

My question is this, which obviously won't be truly answered because none of you know what these two were thinking/seeing with us but why would 1 person just get us to the renewal process then the other says oh, you can't. Im so confused and anxious about this.

Hi, I am 20 and do not currently have a job, I'm working on it. My narc mom has always been financially abusive so I am quite fearful regarding that. Every time I have ever gotten money, mainly from christmas or birthdays from family, she has taken it for herself. When I turned 18 she took me to her bank in a compeletly different state from where we live to set up two accounts. 1 saving, 1 checking. At the bank she tried getting both me and the person to make it a joint but i heavily denied it and thankfully the bank person listened to me and not the 'parent.' While setting up my pin she looked over and got it so yes, she has full access to it anyways.

Well, since then I have gotten a decent amount saved on the accounts and since then she has taken money out of the account. At first it was food which I was fine with since the majority was my own food. Then it became little purchases of coffee for herself, cigs, and then she bought tires for her car without ever telling me until I looked at my statement. I know I should've just changed the pin when she started pulling this shit but I thought she would get worse if i did so.

Currently, I have a third checking account online set up for refunds from my college whenever they come in. She has no clue of this. But this account has monthly fees so I want to transfer the money and close this account into a new one that doesn't have fee's. With this new account, I would also transfer my other checking account money into it gradually. Not sure what I'll do with the savings for now, but whatever bank I decide on I will create a new savings and transfer once I move out.

I guess I'm asking for suggestions. I wouldn't be able to go to a bank in person, so online banks or banks with an online access ability. are the way. I live in the state of Massachusetts. What bank and/or accounts should I look into and how did you guys personally sort out financial independence in a way that the narc can't access, or harm you into giving.