Mom finally said, “Because Rowan asked me something I couldn’t stop thinking about.” A few months earlier, he had asked what would happen if she died before he was old enough to remember all their days together. The question scared her. She had very little extra money and wanted to leave him something practical, so she made herself a rule: every time she watched Rowan, the $45 went straight into a separate savings account for him. She matched whatever she could from her own pension.
...
