Melanie Harper never thought of herself as rich. She was used to living on a low budget because she worked as a nurse in a tiny rural hospital. The outside world might believe that healthcare professionals in her nation made enough money to live comfortably, but Melanie’s situation was much more nuanced. She used a large portion of her income to settle the obligations left by her deceased parents. In addition to inheriting their modest two-bedroom home in a quiet neighborhood, she also inherited all of the associated financial obligations.

In their own right, her parents, Michael and Teresa Harper, had been community leaders. For many years, they operated a small bakery where they served coffee, pastries, and warm bread to both locals and tourists. Despite everyone’s affection for the bakery, it never made enough money to save for retirement, much less pay for major bills. Her parents accrued large medical expenditures when they became unwell in their later years. They died, leaving Melanie with a mound of debt that she was forced to take on.

Nevertheless, she saw the family house as a place of refuge. The old house was situated between two equally modest houses on a street surrounded with trees. It included a dilapidated porch swing that creaked when she sat down on it after a long day at work, and a small front yard full of geraniums in bloom. She enjoyed sitting outside with her coffee, resting her sore feet, and watching the local children ride their bikes on warm days. Sometimes, all of her troubles seemed a little less heavy because of those little joys.