Because if I said “student loans” out loud, I knew what he’d say, and I wasn’t ready for it.

Frank picked up his fork slowly.

“You’re right,” he said.

That word hit me harder than any speech.

“You’re right,” he repeated. “Everything costs too much.”

I blinked.

I’d been ready for a fight. I’d been ready for his favorite line—times were hard, we were harder.

Instead, he said, “You want to know what I don’t like?”

“What?” I asked.

He took a bite of egg, chewed, swallowed.

“I don’t like how you talk like you’re helpless,” he said.

My jaw tightened.

“I’m not helpless,” I said.

“You act like it,” he said. “You act like the world is a wave and you’re just a piece of driftwood.”

“I’m tired,” I snapped. “I’m exhausted.”

He nodded once, like he understood that part more than I thought.

“Then stop buying things that pretend to fix tired,” he said.

There it was. The Frank philosophy.

I pushed my plate away, suddenly not hungry again.

“You know what I hate?” I said.

Frank raised his eyebrows.

“I hate that you’re right,” I said. “And I hate that it makes me feel… ashamed.”

Frank leaned back, and for a second he looked older than he did last night.