Two days later, another email arrived. A photo of Karen and Megan at the Honolulu airport, sunglasses on, smiling.

“No more gray winters,” she wrote. “You’ll learn what happens when you disrespect your mother.”

I forwarded it to Danielle.

And I waited.

Because here’s what my mother didn’t understand: she couldn’t “steal” my savings unless she could actually move them.

And any attempt would trigger alerts.

A week later, my phone rang from an unknown number.

I answered without speaking.

“Ava!” my mother cried. “We need help right now!”

Megan was crying loudly in the background.

“What’s wrong?” I asked quietly.

“The bank froze everything!” she said. “Our cards are declined. The hotel is threatening to kick us out. They’re saying it’s fraud. Whose accounts were those?”

“Mine,” I said. “Not yours.”

She gasped. “But the transfers—”

“You tried,” I corrected. “And the system recorded it.”

Megan shouted something in the background. My mother’s fear quickly turned into anger.

“You set us up!”

“No,” I replied. “You made it easy.”

The calls kept coming.

First came yelling. Then crying. Then bargaining.

“Just unfreeze it,” my mother said the next day in a softer voice. “We’ll come back and talk.”