“I don’t mind the drive.

I’m used to getting up early.”

Tom keyed the deposit into his system.

The little receipt printer on his desk whirred to life.

“There’s a ten-dollar monthly maintenance fee if the balance stays under five hundred dollars,” Tom said.

“It’ll be over five hundred by the end of next month,” I said.

Tom handed me the printed receipt.

“You’re building a nice little emergency fund,” he said.