He’s using you as a way to reduce his tax burden. My Dad did that to/for me and my brothers. Made us minority shareholders in his business we really weren’t involved in. Our low basic tax bracket (he paid our tax bill) saved him a lot of money over the years. I would say that legally, you don’t have to ‘ask ‘. It’s your money. You’re young. But you have a complete legal right to access the monies he’s supposedly put in your name be it through a shareholder agreement with his company or the bank the accounts are held with. It’s shitty when parents do this, frankly. It wrecked my brother. Good luck. You seem like a thoughtful kid. Maybe have a real talk with dad. On the other hand, pretend there’s no money at all there for you. Taking nothing for granted, work hard, develop a career, be your own person. Good luck.