We are off any of our kids accounts. We all have Bank of America checking accounts so can transfer funds if needed. Oldest got off our cell phone family account a couple of years ago when his employer started paying for his cellphone. Youngest is still on our cell phone account and transfers money to us once a year. Their dad did their taxes for them with TurboTax the first couple of years out of college but they both do their own taxes now, so have more privacy with their finances.