My parents charged $12,700 to my credit card for my sister’s luxury cruise. My mom laughed, “It’s not like you ever travel anyway.” I just said, “Have a great trip.” While they were gone, I transferred the title of the house they’d been living in rent-free. When they came “home”... my phone showed 29 missed calls. I didn’t scream. I didn’t cancel the cruise. I didn’t even argue. I sat in my cramped Des Moines apartment, blue light from my laptop washing over the $12,700 charge like a bruise, whi

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