entering realistic figures, I stress-tested them.
Ten percent higher rent. Twenty percent higher childcare. Increased medical costs. Double moving expenses. Longer delays returning to work. Zero investment growth.
I modeled emergency reserves for six, nine, and twelve months.
At 1:18 a.m., the final calculation appeared.
Surprisingly, my hands remained steady.
I couldn’t afford to live recklessly forever.
But I could afford to leave responsibly.
There was a crucial difference.
For months, I’d wondered whether I could leave.
Now I knew the question was how carefully to do it.
After three hours of sleep, I checked my professional email while Ivy played beneath her activity gym.
Among birthday messages, LinkedIn alerts, and a conference invitation, I found an email from a former client.
Then I noticed Natalie Cho.
Natalie had supervised me for six years. At forty-eight, she was formidable in budget meetings, hilarious after two glasses of pinot