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[Free pass for letting Bianca hurt Jenna: 1 remaining.] That was the pinned memo in the phone of Dylan Nelson, my fiance. We had been together for five years. Bianca Shelly was his mentor’s daughter. He had quantified every slight Jenna suffered into a spendable allowance. Three days into our silent standoff, he took my engagement ring from the nightstand. I tried to stop him. “That ring was registered in my name for life.” He checked the note on his phone. His voice turned cold. “Bianca got rejected by the guy she was set up with. She’s been crying all day. She’s just borrowing it for a photo. Stop making this difficult.” An hour later, I received an alteration alert from the jeweler’s app. [Original recipient: Jenna Vogel. Recipient changed to: Bianca Shelly. Ownership status: Finalized and irreversible.] I finally recalled the small print at the bottom of his note. [If Jenna ends the relationship first, all free passes will automatically reset.] From the beginning, he had planned to sacrifice me over and over again. It was not that he did not understand what the ring meant. He was simply certain that I would never muster up the courage to leave him. That evening, Dylan texted to ask whether I was done being angry. I did not reply. I simply changed his contact name from “Babe” back to “Dylan Nelson”. I thought. “Dylan, that was your last free pass. This time, there will be no reset.”

My mother-in-law is extremely frugal. She reuses paper others have discarded, carefully saving the unmarked portions. She even takes the black waste oil from the kitchen range hood and uses it to cook our meals. She says, "Frugality is a virtue—it brings blessings!" I try tirelessly to convince her otherwise, throwing out all her filthy items to protect my family's health. But while she praises me to my face, behind my back, she uses my baby's food scissors to clip her grimy toenails. My child eventually dies of a lung infection, leaving me heartbroken. My mother-in-law, however, points her finger at me, saying I'm unlucky and that I've brought misfortune to their family. Even my husband blames me. In the end, they use a knitting needle to pierce my throat and stab me to death. When I open my eyes again, I find myself back on the day I first see her picking up dirty paper. The first thing I do is hide all the high-quality tissue paper I had stocked up on before my pregnancy, pretending I knew nothing. She calls these blessings, right? Fine. The blessings of this miserly frugality—she can reap them all herself!

As I secured the safety rope, I discovered that the metal clip had been replaced with a flimsy plastic ring. My girlfriend, already on the soft ladder, dismissed my concern casually. "Ryan has got a ton of luggage. One clip isn't enough to keep it secure, so I gave him yours. Just wait for the next trip." In desperation, I pointed to the floodwaters surging past my chest. "But I can't swim!" "Cut the drama, okay?" she huffed. "You're a swimming champ. What's the big deal about treading water for a bit? Ryan is related to my boss, and if anything happens to him, my promotion is down the drain. Can't you be reasonable?" "Is his luggage more important than my life?" I shot back, lunging for the ladder. But she kicked me away. "I've checked. The water won't rise too fast. At worst, it'll reach your neck. You'll survive." Refusing to argue further, I watched the floodwaters rage higher and quickly pressed a special emergency beacon on my wrist.

My mom decides to implement an income-based rationing system. Everything at home is delegated to everyone based on their income. At a holiday dinner, I decide to grab myself an extra helping of pasta. As soon as I fill up my plate, my mom snatches it from my hands. "Hold on. Just look at the spread on the table. The sea bass is already worth 180 dollars. The scallops are worth 200, whereas the lobster goes for 300 dollars. "You only earn 3,000 dollars per month. If you want a second serving, you must pay up first. I'll charge you based on the family rate. It'll be three dollars, thank you very much." My mom sticks out three fingers while smiling at me.

Celia Johnson, my boss's sister-in-law, joined the company as the finance director and announced that all reimbursements must strictly follow the standards. I spent an entire week running around for the company and finally closed a five-hundred-thousand-dollar deal. Because the client had used two extra packs of paper towels, the per-person amount for their meal ended up eight dollars over the limit. Celia folded her arms, glanced at the reimbursement form on my desk, and sneered. "Five hundred and eight dollars?" "Yes. Last night at The Peak Restaurant, where we closed Richard's deal. Zack was there too," I explained patiently. "Eight dollars over the per-person limit. Not reimbursable," Celia said coldly. I tried to reason with her. "This was a special case. The client is high-level, and the deal amount is large, and Zack personally said it would be fully reimbursed last night." She returned the reimbursement form to me. "I don't care who said that. Don't think closing a five-hundred-thousand-dollar contract lets you ignore company rules. Reimbursements must all follow policies. Everyone will follow them to the letter." I took a deep breath. I knew arguing with her head-on would get me nowhere, so I called Zack directly. Zack said, "I did say it would be reimbursed, but I never said company rules could be ignored. It's just five hundred. And you still get commission from closing the deal. You young people need to have perspective." I stopped arguing. I turned around and refused the delivery containing the hard copy of the five-hundred-thousand-dollar cooperation contract, smiling as I explained, "Company rules say all cash on delivery packages must be refused. "Also, today is my last day here. Starting tomorrow, I work for Richard's company. As the client, I will be setting the rules this time."

As soon as I get off the surgical table after my miscarriage, my husband, Presley Quinn, sends me a text message. "You were ten cents short when you paid your share of the power bill this month. Transfer the money to me immediately." I can only sit on the cold bench in the hospital on my own. The anesthesia has yet to wear out, but my belly is already hurting so much that I can practically feel it constricting on itself. The next thing I know, a new post appears on my social media homepage. It's a post made by Vivienne Ashford, the intern Presley is in charge of tutoring. In the photo, Vivienne can be seen holding a bouquet of flowers folded from money bills. A bright and radiant smile blooms on her face. The four-leaf clover necklace adorning her neck is the same necklace I've seen in Presley's purchase history two days ago. The caption of the photo writes, "I don't want a lot of money. I want a ton of love instead." Only then do I remember that today is Valentine's Day as well as my fifth-year anniversary with Presley. Over the past five years, Presley and I have been splitting every single bill, down to two decimal places. If I take a shower for more than 20 minutes, Presley demands that I pay extra for the water heater's power bill. When I cook myself some supper in the middle of the night, Presley wants me to split the gas bill generated by the stove. Even when my mom is hospitalized due to kidney failure and is waiting for her surgical bills to be settled, Presley refuses to lend me a single cent. Instead, he sends me a few links leading to web loans. As I stare at the social media feed, I chuckle all of a sudden. It turns out that Presley does know how to spend money. It's just that he doesn't have the heart to spend it on me. I smile once again as I leave a like on the post. Then, I transfer the ten cents to Presley. From now on, I don't owe him any single penny.