And I can recommend that you get independent legal advice today.”

I showed her the envelope Grace had found.

It was addressed to both Derek and me, and the statement inside concerned a joint investment holding account we had established when Grace was born.

The listed balance was far lower than I expected.

“Did you authorize these transfers?” Rachel asked.

“No.

Derek told me we weren’t touching that money until Grace was old enough for college.”

Rachel read the transaction descriptions twice.