Each receipt had Daniel’s signature on the sender line, recording three-thousand-dollar cash transfers sent straight to an individual agent in Nevada.

I opened the ledger to the first divider tab, labeled Joint Health Savings Account.

In late spring, our family health savings account had held thirty-two thousand dollars, money my late grandmother had left us specifically to cover unexpected medical bills.

The ledger page for September showed forty-seven separate electronic wire transfers from the health savings account over an eleven-day period.

The balance column on the far right of the page ended at four dollars and twelve cents.