I stared at it and felt something crack open in me.

Because suddenly the passbook didn’t look like a victory.

It looked like a shield.

A shield Frank had been building brick by brick for decades, because he didn’t trust the world to catch him.

I sat down slowly.

“So when you said I was bleeding,” I said, voice rough, “you meant…”

“I meant you’re bleeding,” Frank said. “And you don’t even know what kind of wound you’re going to get later.”

My eyes burned.

I hated that he was right.

But I also hated the part of him that acted like fear was a moral virtue.

Because fear was what had made him save.

Fear was what made him judge.

Fear was what made him look at my burger like it was a crime.

I rubbed my face and tried to breathe.

“So what do we do?” I asked, then immediately regretted it, because it sounded like I was asking him to fix my life.

Frank didn’t answer like a guru.

He didn’t give me a ten-step plan.

He stood up, walked to the kitchen, and came back with a notebook.

He set it in front of me.

On the first page, in block letters, he’d written:

WHERE DOES IT GO?

He handed me a pen.

“Write,” he said.

I stared at the blank page, feeling like I was back in school, about to fail.

“My rent—” I started.