My grandma’s initials.
“What the hell is that?” Zack demanded, already halfway out of his chair so he could lean over and stare at the tag.

A dog collar with a tag | Source: Midjourney
Mr. Harper folded his hands like he had been rehearsing this line in his head for days.
“That tag is the key to your grandmother’s private trust account,” he said.
The room went so quiet I could hear the clock ticking behind me.
Zack blinked first. “Private what?”
“Your grandmother began the trust in 1989,” Mr. Harper said. “She received a large inheritance from an elderly neighbor she had cared for at the end of his life. He left her his home and his savings. She sold the property, lived modestly, and invested the rest for the future.”
My mouth felt dry.
I had known about the neighbor, Mr. Kern, in a vague way, as the old man who used to give out king-size candy bars on Halloween, but I never knew about the money.

A chocolate bar | Source: Midjourney
Zack latched onto the only part he cared about.
“Okay, fine, trust account,” he said. “So how much is in it? Like, realistically?”
Mr. Harper consulted a sheet of paper, though I suspected he already knew the numbers by heart.
“As of last quarter, the balance is approximately $2.8 million,” he said.
Zack made a horrible strangled noise, like someone had punched the air out of him.
“She gave her the trust?” he yelled, pointing at me. “No way. No way. I was supposed to get the big stuff. Grandma told me I was special.”
Bailey shifted, his head in my lap, his eyes moving between us like he was tracking a tennis match.
I just stared at the tag in my fingers, because if I looked up, I was afraid I would either laugh or scream.
Mr. Harper cleared his throat yet again and slid a folded note across the table toward Zack.
“Your grandmother left you a personal message, Zack,” he said.

A note on a desk | Source: Midjourney
Zack snatched it up like it might change everything.
He tore it open, eyes darting over the handwriting I knew so well.
I watched his face go from furious red to pale, to something like stunned humiliation.
He crumpled the paper in his fist, then slammed it onto the table so hard Bailey flinched.
It slid toward me, and I could not help reading it.
It said, in Grandma’s looping script:
“My darling boy, you always reached for the biggest prize on the shelf. But the biggest prizes belong to people with the biggest hearts. Real wealth is love that does not keep score. I hope one day you understand this. Love, Grandma.”
Zack shoved his chair back so hard it scraped the floor.
“She screwed me,” he shouted. “She lied to me my whole life. I won’t accept this. I’ll contest the will. I’ll make sure you don’t see a cent.”

An angry-looking man | Source: Midjourney
He stormed out of the office, slamming the door so hard one of the certificates on the wall tilted.
The silence after he left felt huge.
Bailey exhaled, almost like a sigh of relief, and rested his head on my knee.
I sat there staring at the little metal tag, at the bank logo, at the numbers that apparently meant I was now a millionaire who still drove a 10-year-old car with a cracked bumper.
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