My nephew said I wasn’t “real family” at my dad’s birthday party, and everyone laughed. I just smiled slightly. The next morning, his $482,000 college fund was gone. My sister called me and yelled…

Delete.

The family mobile-phone plan, which included my parents and Isabel.

I initiated transfers of liability for their lines.

They would now pay their own bills.

The process took twenty minutes.

Delete.

Confirm.

Next.

Then I reviewed my credit cards.

Isabel was an authorized user on one account supposedly reserved for emergencies.