“You’re standing in a parking lot in your wedding dress.”

I took my phone out of my clutch purse, unlocked it, and opened the First National Bank app.

I logged into our joint wedding account, where twelve thousand dollars of our savings was supposed to sit untouched until after the reception.

I scrolled past the fourteen-hundred-dollar florist invoice to the charges from earlier that week.

A four-hundred-dollar debit stood out in the middle of the screen, dated five days ago.

The payee line read: *Sunshine Kids Daycare Center.*