My sister-in-law was taking $1,300 from my remote work every month. When I told her to stop, she yelled at me to get out of the house. I got fed up with the situation, so I said, “Fine, I’m leaving.” I moved out and left my balance at zero.

For almost a year, I worked remotely from the corner of my brother Marco’s dining room table, telling myself it was temporary. Just until I saved enough. Just until I felt steady again after my breakup. Marco had insisted it made sense. “Stay with us,” he’d said. “Why throw money away on rent?” His wife,…