To enforce my new stepdad, Robert Hayes' rule of a strict bill split on all household expenses, everything in our home was tagged with a price.A price sheet was taped to the refrigerator door. Apples were a dollar each, milk was two dollars a carton, and leftovers cost three dollars per serving.…Mom and my stepsister, Harper Hayes, both held special privileges, so they could open the refrigerator and take whatever they wanted, whenever they pleased.I wanted to open the refrigerator, too, but I couldn't afford to pay my share.Dad indifferently remarked, "You don't have any money, so how do you expect to eat?"When I stammered and was completely at a loss, he assumed an air of generosity."Fine. We'll put it on your tab for now, but you'll need to sign a personal loan agreement with your mom and me."The interest will be calculated at high-risk lending rates of 0.1% per day until you're an adult. Once you're all grown up and start earning money, you can pay us back."So, I
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