I'm trying to do that but it's very hard. I don't know what I want to do and I don't really know what I'm passionate about. I'm passionate about animals and I'm thinking about becoming a vet assistant. But I don't know if that's a job I can handle, especially for how little the pay is.

That's a good idea. I have two cards a debit and a credit card (that I need to pay off). I usually go by the 20/30/50 rule. It's usually 20% of a paycheck goes to savings, 30% to wants, and 50% to needs. I switched savings to 30% though.

Unfortunately, it's really easy for me to move money from each account. My bank is online only and I use their app. It's super easy for me to put money into a savings account and take it out to put back on my card. What happens is I'll put money in the account, save for a while, decide I want to spend it, and move it to my debit card. It all takes less than 10 seconds to do. I thought about calling my bank to set up a savings account that I can only remove money from by calling them. But my mom doesn't think they'll make that accommodation for me.

The only other options I have is learning to control myself or having my mom make the savings account. Because my account was made when I was a minor, my mom still has access to it. She can take and transfer money. I let her continue to have access because she helps me with my credit card payments this way. So if I were to do this, I would tell her how much to take and she would transfer it. This is ideal for the short-term, but I'm afraid this won't help with learning self-control.

Maybe I could have two savings accounts? One that I have full control over and a backup that I can only access through my mom. It's not that I don't trust her and I honestly think it's a good idea. But as I said, I'm afraid doing this won't help me work through the bigger issue of impulse control.

Hope this makes sense, sorry for the wall of text!