“He’s kind,” I corrected. “And you take advantage of that.”

Caroline exhaled hard. “Whatever. I’m not calling to fight. I’m calling because Todd’s paycheck is late again, and the mortgage—”

I laughed once, surprised by myself. It wasn’t joyful.

“Oh my God,” Caroline said, offended. “Did you seriously just laugh?”

“You were about to ask me for money,” I said.

She lowered her voice like the walls might report her. “It’s not money. It’s the mortgage you already pay.”

I set a plate in the rack. “I canceled it.”

This silence wasn’t strategy. It was impact—Caroline hitting a wall she didn’t know existed.

“You… what?” she said slowly.

“I canceled the recurring payment.”

“You can’t,” she said like it belonged to her.

“I can,” I said. “And I did.”

Her voice went thin. “Lucy, you promised.”

“I promised three years ago for three months,” I said. “You turned it into forever. You didn’t ask. You assumed.”

“Because you said you’d help,” she snapped. “That’s what family does.”

I stared at my reflection in the kitchen window—tired eyes, messy bun, the face of someone who’d been working too long for a seat at a table that never wanted her kid.

“Funny,” I said. “That’s what you said last night too. Family.”