My mom handed me a folder and said, “I used your emergency fund to pay off your brother’s mortgage—you’ll thank me later.” I just smiled and replied, “If you think so.” An hour later her phone rang, and I watched her face drain of color as the bank told her the transfer had been reversed. Two minutes later, headlights rolled into the driveway… My mom showed up at my townhouse on a Tuesday evening carrying a manila folder like it was a peace offering. She didn’t even take her coat off. She set th

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