Affidavit of Support I-864

[Denny & Robin 0]

We are trying to for fill the 125% support required for an I-864 Affidavit of Support. My wife (US citizen) earns $20k which is about $6k short for the 125% for a family of 5 (including myself).

Now we do get Supplemental Security Income for 2 children which if could be included would take us over the 125%, but I'm told this can't be included as income because it's not taxable. This is stupid as the SSI income more that covers the 2 children so it's like we have a family of 3 income wise.

Anyway our other option is a joint bank account my wife is on has enough cash in it to cover the required 3 x $6k. But I see several problems with this:

She's only been on the account for 4 months (the account has been open for many years though).

The account does not have our address; it has her mother’s address.

And yes we asked her mother to be a joint sponsor but she decline as she doesn’t want the government prying into her finances.

Do you think USCIS would accept this as an asset if provided with 12 months of bank statements even though my wife’s name is only on there for 4 months and the address is different from ours?

Any had a similr experience and any advice would be greatly appreciated?