I'm a 22 year old college dude and I'm talking back and forth with someone else on reddit about them wanting a sugar baby, (it's not a situation I'm used to by any means, but I happened to fall into this situation).

She says she wants a sugar baby she can trust with her money because she wants to forward me money to donate on her behalf while she is out of town.

I told her I can do that, but I need a new account since my only account is a joint account with my mom and that would be pretty awkward for her to find out I have a sugar momma. Despite me insisting that I open a new account for us, she really wants to just get my current bank anyway insisting it's urgent.

It smells fishy even wants to have me donate on her behalf anyway and even more fishy that she is not patient enough for this new account.

How do I get the truth out of her? I want it to be true, but I need to know more before I trust this person with sensitive information.