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My mom is 103. She has been living with me for 14 years. All her saving are in a joint account with me. It’s been that way since my dad died. I use that money for a variety of things. Can I consider that my money?

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Use that money for household expenses, and you will be fine. Don’t use that money for clothing or jewelry for yourself though until she passes away. If she needs caregivers or needs to go into a nursing home, that money needs to be used up before she can apply for Medicaid.
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It’s a joint account for each of you to use. I assume that you are using it to make purchases and payments for your mom. I wouldn’t use that account for your personal use until your mom dies.

My mom also lived with me for 14 years. I was on her checking account because I did all of her shopping and paid for her cell phone, etc. I didn’t use it for any of my personal purchases.

103! Wow! My mom died at 95. I just lost a cousin who was 101.
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No, its her no money and should be used only for her.
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