Todd spoke carefully. “We can pay some. Not all. I’ve got jobs lined up—”

Caroline spun on him. “Why are you acting like this is fine?”

“It’s not fine,” Todd said, and there was quiet anger. “But it’s also not Lucy’s job.”

I almost felt sorry for him. Almost.

Caroline snapped back to me. “Mom and Dad are furious.”

“Are they furious about what you said to Luke?” I asked.

She hesitated. That was enough.

She lifted her chin. “They said you’re selfish.”

I smiled, not kindly. “Tell them they can pay your mortgage, then.”

Her mouth opened, then shut—because she knew they couldn’t. Or wouldn’t.

I stepped closer, voice steady. “Here’s what happens next. You call Luke. You apologize directly—no excuses, no ‘it was a joke.’ You tell him he’s family. Then you figure out your money without me.”

Caroline’s eyes widened. “You’re blackmailing me.”

“No,” I said. “I’m setting a boundary. You don’t get access to my kid if you treat him like less.”

Todd looked down. “Caroline,” he murmured, “just apologize.”

Her face hardened. “I’m not apologizing to a kid over a joke.”

Cold settled in my stomach. “Then you don’t get to see him.”

I opened the door, went inside, and locked it.