“Hello to you, too, David,” I said, my voice calmer than I felt.

“Mom, the bank called. They said the payment is past due. What’s going on?”

I took a deep breath. “I’m not making the payment anymore, David.”

“What?” His voice rose. “You can’t do that!”

“Actually, I can. It’s my money.”

“But we had an agreement! You said you’d help us!”

I took a deep breath. “I’m not making the payment anymore, David.”

“What?” His voice rose. “You can’t do that!”

“Actually, I can. It’s my money.”

“But we had an agreement! You said you’d help us!”