The first time I added it up, I sat at our kitchen island after midnight with a yellow legal pad and three years of online banking pulled up on my laptop. Daniel was asleep upstairs. The dishwasher hummed softly behind me. Outside, our neighborhood was quiet except for one dog barking two streets over. I told myself I was being silly. That I just wanted a rough number. That maybe seeing it on paper would help me feel less vaguely resentful because facts are easier to work with than feelings.

The number was just under fourteen thousand dollars.

I remember staring at it and feeling not outrage, not yet, but disbelief. Fourteen thousand in emergency loans never repaid, utility bills “just this once,” gas cards, groceries, back-to-school clothes, a security deposit for Melissa after her divorce, money wired to a cousin in Tennessee because his transmission had gone, a funeral arrangement Daniel had insisted his mother should not have to cover alone. Fourteen thousand dollars given not over decades but over three years.

When I showed Daniel the total, he rubbed a hand over his face and said, “I know it looks bad laid out like that.”

Looks bad.