We’d opened that joint account eight years earlier, when Cody was still in diapers.

We’d promised to use it only for family emergencies and mortgage payments.

Now I was standing here freezing it to keep my wife from emptying it for a contractor.

Sarah clicked her mouse quickly, and a red banner popped up on her screen.

“The accounts are locked,” Sarah said.

“Neither of you can withdraw or transfer any money.”

“I also need the joint signature waiver revoked,” I said.

“The one that was filed two months ago.”