He explained.
For nearly fifteen years, Daniel had worked for a healthcare technology firm. He earned well, traveled occasionally, complained about management, and stayed because stability seemed sensible with two children and a mortgage.
Two years earlier, a colleague named Marcus had approached him about starting a small consulting company specializing in software transitions for medical offices.
Daniel invested savings.
Then more savings.
Then he personally guaranteed a modest business line of credit.
The company was not failing.
But it was not yet successful enough to repay everything.
“How much?”
He told me.
Sixty-two thousand dollars remained on the business loan.
I sat quietly.
“And Rebecca knows?”
“Yes.”
“The children’s education money?”
“We haven’t touched it.”
“But you were considering it.”
“To refinance the house.”
“To repay me.”
He nodded.
“Absolutely not.”
His expression tightened.
“Mom—”
“No.”
“The loan is due.”
“Then we change the agreement.”
“You need the money.”
