I had a nice inheritance. Father, brother, NO joint account. I felt guilty not having a joint account in quite a few areas. Took interest without me knowing. I always paid the bills, stopped. WHAT A FOOL I AM. I go to back one account, Empty!!!!! I was so, I don't know, started crying in the bank. Manager told me, no joint account. I changed everything. TRUST, I was warned. I needed my father and brother they died 2 yrs a part. Also, he is not in my Will.