CHAPTER TWENTY-TWOMorgan Morgan stood at her chest of drawers. In the top drawer, hidden under a pile of clothes, was her mom’s wooden jewelry box. She pulled it out and opened it. This jewelry box was one of Morgan’s favorite things of her mom’s. As a child she would ask to play with it. She’d sit at her mom’s vanity and take each piece of jewelry out of the box to try on, admire it in the mirror, and then carefully put each back where she found them. Inside the wooden heirloom box sat an envelope. She added cash to the envelope. It seemed old school to be saving cash in an envelope, but this was how her mom taught her to save for something she really wanted. This way, the cash was home in a drawer, instead of in the bank account where it could be easily spent on a whim, with just a wav

