was my granddaughter, and I adored her.
I would never refuse to buy her school supplies, treat her to an outing, or help with something she genuinely needed.
But I had finally realized that supporting my granddaughter didn’t require sending an unlimited stream of money to two employed adults.
I wasn’t trying to punish anyone.
I was simply taking responsibility for my retirement.
A few days later, Owen called.
”Mom, did you change something with our phone account?”
”Yes, dear.”
”Christa says we’re going to have to pay about $240 every month now.”
”That’s right.”
He sounded bewildered.
”And what about my car insurance?”
”The current coverage will remain until the renewal date. After that, you’ll need your own policy.”
There was a long silence.
”But Mom, you’ve always handled those things.”
”I know, Owen. And now you’re old enough to handle them yourself.”
He exhaled.
”Is this about what






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