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Tears spill down my cheeks. She’s speaking to my darkest fears—that I can’t prove the best place for my son is with me. “I’ll find something. It’s just hard. The housing market here is tough, and I have a lot of debt.” And now I have to pay you, I think, but I don’t say it out loud.

This time, she actually cringes. “I’m not here to give you financial advice. That’s not my area of expertise