please start a dedicated account ONLY for the child.When social security and/or the irs team up they can leave you on the street starving, all accounts drained. get a debit card and use it ONLY for the child..Check his/her eligibility for food stamps as well. Consider becoming a cna, I believe that you can be paid for taking care of your own child. our Government will move heaven and earth to get what they think is theirs. best to you and yours..rob