My friends father died and her rmother has all the money but my friend is leaving her mtoher to stay with her aunt because of domestic problems shes 16. does she had wait til 18 or 21 to get her fathers money?

differs by state but if she is the beneficiary it will be put in a trust account until she is an adult.

Yes, at 18 you are legally an adult.

No one here can know that - it would depend ENTIRELY on how the beneficiary clause is written.

If she's a minor, her legal guardian will have custody of the money until she's of legal age. If they're smart, they will USE the money to set up a trust, so she can't blow it all on a fancy car. 18 year olds generally make stupid money decisions.

It's HIGHLY unlikely that SHE is listed as beneficiary - her mother would most likely be the ONLY person getting any money.