[1a] To summarize, then, it is uncontradicted that the money in the Bakersfield Savings and Loan account was originally the separate property of defendant; that after the parties were married the transfer was made by a clerk of the Bakersfield Savings and Loan Association to the joint account and that the mother who previously held the money in her name as trustee made it clear to the plaintiff that the form of the account was employed solely for the convenience of defendant in withdrawing the money during the working day. This was further borne out by the conversation between the plaintiff and defendant; the defendant did not at any time tell plaintiff that he was giving her any of the money or that he intended that any part of it should be her own; he made it clear to her that the arrangement was merely for convenience to permit him to withdraw such sums as might be needed by him from time to time. The plaintiff never withdrew any part of this fund without specific authorization from the defendant, and on several occasions the plaintiff admitted that it was "Bill's money" or "Billy's money."