A normal American facing a major medical bill.

What kind of mother lives in an apartment?

Millions.

Poverty can create risks.

It is not a moral diagnosis.

PART 77 — I TEACH LILY MONEY DIFFERENTLY

When Lily got her first job as a teenager, I helped her open a bank account.

Her account.

Not mine.

I could help supervise while she was a minor as legally required, but we discussed exactly who had access and why.