 First off, I am 23 years old and this is a very embarrassing subject for me, solely because I feel like a child when all my friends live much more adult lives. Before I get into things, it's important to mention that I have bipolar disorder (type 2) and ADHD, both of which lead to a lot of impulsive spending. I am medicated and doing quite well, however I haven't been able to grasp the spending issues. Since I was a teenager my father has had full access over my chequing account. Due to some mental health issues, I had put myself in a place where I could not handle my own finances. I have been quite stable for the past two years. My dad however, will not let me in control of my money and it has gotten to the point where he will call me and ask me why I spent X dollars on something, leading me to feel no financial responsibility. I have tried to have this conversation with my parents multiple times and it always ends up with my dad telling me that I'm not ready, or that he is doing this for my own benefit. For a long time, I agreed with him, because it was extremely helpful. But now it is leading to other issues such as using my credit card for silly purchases so that my dad can't see it - this of course is leading to its own set of problems. I know that I would do so much better without someone looming over my shoulder, watching every move. His reasoning now is that he sees me as a child still and I need this support to keep me floating, but it is suffocating me. I really appreciate the support of my parents, but I know that things would be much better for me if they let me take control of my own finances. It is not only disheartening, but terribly embarrassing. I want to be an adult, I need to be an adult. I know that all this would only support my mental health, not hinder it.

How do I have this conversation again, but more firmly as to show my parents that I am an adult? I pay my rent, car insurance, I have a pet I take care of, and all finances related to that are in order and never an issue. I might fall flat on my face, and I'm okay with that. I am never going to learn if they don't give me the independence. I am 23, I am not a child, and they need to let me grow up. I know a lot of people surrender their finances over to someone else because of their bipolar disorder, and that is great! Whatever works for you. However now it's making me sink into a habit that is enabling my bipolar.  I don't know how to get out :(