He died.
The matching fund wouldn’t have been much, given the short time Kyle had worked here, but anything would have been better than nothing.
Somehow she managed to nod and even smile as she rose to her feet. Pride was a wonderful thing. “Thank you. I so wish he’d kept better records.” Anna held on to her smile until she’d left the building and was making her way across the parking lot.
Better records? What she so wished was that her husband hadn’t been a fool. She’d begun to realize that much over the past few years, but her attempts to talk sense into him hadn’t made a dent. Learning how deceitful he’d been, that came as a surprise. He’d erased every bit of security she’d thought she had. And for what? She’d been so enraged to see the pittance he’d gotten when he cashed out his life insurance. It hadn’t developed much value, since they’d only purchased it when she was pregnant with Josh, but it would have been paid out in full now that he’d died—$100,000.
“I want to be sure you and any kids we have are taken care of,” Kyle had murmured in her ear after they’d left the insurance office. His smile had been so tender. “Even if something happens to me, you’ll have this.”
That shock had been the worst, if not the last. No insurance payout. No savings. No retirement funds. Over time, he had cashed out everything, often paying substantial penalties to do it. With what he’d gotten, he had made risky investments that all bombed, apparently certain each time that he’d make big money.
No, what she should wish was that she hadn’t been such a fool. She’d asked about money and investments, but allowed him to get away with explanations that didn’t quite make sense and reassurances that he had everything handled. Since he had been working and she hadn’t, she’d felt a little funny about demanding an equal financial partnership.
And yet Anna had grown increasingly uneasy and frustrated with Kyle’s inability to stick with a job. Early in their marriage, she had believed in him wholeheartedly, but by the time they started a family, she saw the pattern.
With each new job, he would start with great enthusiasm. Like clockwork, she’d watch that enthusiasm dim. He was bored. They weren’t making use of his talents. He’d start looking around for something better. “Today was the last straw,” he would finally declare, with great indignation. “I had to quit. But don’t worry, I won’t have any trouble finding a new job. A better one.”
He hadn’t, until the last time, two years ago. His inconstancy had begun to look bad on a résumé. It took two months before he was offered a position he grudgingly accepted. She’d cut every corner she could to get them through until a paycheck.
Kyle teased her for being a worrier. “Lucky you have me to provide balance.” How many times had she heard him say that?
In her car now, Anna put the key in the ignition but didn’t start the engine. She sat without moving, staring ahead blindly as her mind raced.
She’d have to take Josh out of day camp. One less bill. Except...then when she had to go out, she’d have to pay Mrs. Schaub more to watch both kids. He was happy with his friends at the camp. If she could find a job right away...
Waitressing? Being a receptionist? Day care? She could offer day care at home and not have to pay other people to watch her kids, but only if she could afford to keep the house, which she couldn’t. Substitute teaching for the local school district, even if the work proved to be reasonably steady, wasn’t an option. Given the area’s cost of living, the pay was inadequate, and as a part-time employee, she wouldn’t have benefits. Anyway—school didn’t start for another six weeks.
Fear cramped in her again at the reminder that in less than two weeks, she and the kids would lose their health insurance.
What it came down to was that no job she was qualified to do would pay the basic bills, never mind justify the additional day care. Staying home with the kids, not working for so many years, had been a mistake of monstrous proportion. She’d trusted the man she loved, who had been untrustworthy.
A man who’d willingly sacrificed his own life to save a young girl he didn’t even know.
How could she harbor feelings so bitter, so angry, for the funny, kind man who would do something like that?
How could she not?
She almost had to leave Josh at day camp until she could finish painting the entire interior of their house and pack enough of their possessions to make it ready for prospective buyers to view, she concluded. At least Jenna took naps and was usually able to play quietly while Mommy scrubbed and painted and sorted. With his energy level, Josh couldn’t be as patient.
Maybe there’d be a quick sale. But her panic didn’t subside, and for good reason. Even if the house sold at full price, she wouldn’t end up with all that much money. The market had sagged since they’d bought the modest rambler in Bellevue. They hadn’t spent the money they should have to update it. Increasingly, people expected granite countertops, skylights, hardwood floors, not aluminum windows, ancient Formica, worn beige carpets.
The real estate agent had strongly advised new carpet, at least. Anna could put that on a credit card and pay it off once the house sold. Other improvements were out of reach.
She had no choice but to move away. The Seattle area was chasing San Francisco and New York City for the most expensive places in the country to live. Of course, salaries would be lower in Montana or eastern Oregon or wherever else she went, too. At the very least, she’d have to find a college town where she could take classes to refresh her teaching certificate or make herself employable doing something besides hoisting a heavily laden tray or answering phones.
When finally the tension eased enough to leave her limp, she started the car and saw the dashboard clock. She’d been chasing herself on the hamster wheel for twenty minutes. Twenty wasted minutes. Usually, she put off her frightened scrabbling in search of solutions until bedtime. Who needed sleep when you could lie rigid in the dark and try to figure out how to survive with two young children when you had next to no money?
Anna had never imagined being so close to having no home at all.
* * *
THE ONLY LIGHTS in the family room were one standing lamp and the ever-shifting colors of the TV. Through the window, Nate saw the glitter of lights across the lake in Seattle and a few sparkling on the mast of a boat gliding through the dark water.
Staying unnoticed in the doorway, he glanced at the TV to see what Molly was watching. The Lego Movie. Amusing, as he recalled.
He switched his attention to his daughter, who had curled into the smallest possible ball in the corner of the sofa. She clutched a throw pillow in her arms as if it was a flotation device—all that would keep her from drowning. He’d swear she hadn’t blinked in at least a minute. She was either mesmerized by the movie or not seeing it at all.
At least she wasn’t watching Moana again. That one, with the tense father/daughter thing going, made him uncomfortable.
All she’d wanted since he’d picked her up this morning was to watch a succession of DVDs. Having a waterfront home on Lake Washington used to be a plus. Today, she’d been careful to keep her back to the view of the lake. Okay, that was understandable, but she hadn’t wanted to ride her bike, which he kept in his garage, either, or play a board game. He’d bought two skateboards a while back, one child-sized, one adult, along with pads for knees and elbows and helmets. Sonja didn’t approve, of course, but skateboarding on the driveway was one of the few activities done with her father that had delighted Molly. Today? “No, thank you, Daddy.”
After thanking him politely and refusing to go out to a pizza place they both liked, she nibbled at what he put in front of her for lunch and dinner. She hadn’t talked any more than she absolutely had to.
Abruptly, he’d had enough.
He flicked on the overhead light and strode to